Calendar of Events

  • Employment Compliance Obligations Under the Trump Administration

    Oct 24th, 2017
    1:30pm - 3:30pm

    Employment Compliance Obligations Under the Trump Administration


    Presented by Steve Greene
    Tuesday, October 24th, 2017
    1:30 pm - 3:30 pm CT
     

    Covered Topics:

    • What is the status of the federal overtime exemption litigation and how will that likely impact community banks?
    • What is the status of the Trump Administration’s efforts to implement new overtime exemption standards?
    • What is the status of the Trump Administration’s efforts to reverse the new EEO-1 form currently due In the first quarter of 2018?
    • Where do we stand with Mortgage Lenders, Consumer Lenders, and Underwriters from an exemption perspective, given the recent and adverse Provident Bank decision?
    • What are the trends arising from state and local employment obligations increasingly impacting community banks?
    • What Obama Administration orders, regulations, and directives are still expected to be reversed?
    • How should community banks plan for employment compliance efforts in calendar year 2018?
    Register here
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  • Tech Fraud: A Virtual Minefield

    Oct 25th, 2017
    10:00am - Noon

    Tech Fraud: A Virtual Minefield


    Presented by Randy Philllips
    Wednesday, October 25th, 2017
    10:00 am - 12:00 pm CT

    Ransomware, malware, skimming, shimming, phishing and vishing. The names sound ominous, the tactics are nefarious, and the losses can be staggering. Your financial institution and your account holders have to navigate this electronic minefield. A misstep can result in significant losses or theft of information and reputational damage. Your network may be secure, however, social engineering and the human factor can render your system useless in a matter of minutes. During this program, we will help you traverse the virtual battleground by bringing you up to date on the latest social engineering tactics being used. Finally, we'll tackle the growing problem of ransomware. We'll discuss the multi-layered defensive steps and best practices you should be taking now to lessen the chances of falling victim.

    Register here
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  • Marketing & Advertising Compliance

    Oct 25th, 2017
    10:00am - Noon

    Marketing & Advertising Compliance


    Presented by Carl Pry
    Tuesday, October 25th, 2017
    10:00 am -noon CT

    **NOTE** Date change, originally scheduled for October 24th

    Covered Topics:

    • What impact does the CFPB have on advertising and marketing, even if you're not a big bank?
    • Regulatory Focus: Attention to unfair, deceptive, and abusive acts and practices (UDAAP).  Plus - what may be considered abusive? How can you stay clear of trouble? Don't miss the forest for the trees.
    • Advertising rules under Reg. Z for both mortgage loans and open-end plans from the Credit CARD Act
    • UDAP standards from the FTC on mortgage loans
    • Consumer deposit products in Truth in Savings
    • Rules for consumer loan products in Regulation Z
    • Fair lending when marketing lending products
    • "Equal Housing Lender" statement and the logo - when must these be used?
    • Advertising over the Internet and social media - different standards?
    • Soliciting via the phone and e-mail: the Telemarketing Sales Rule (TSR), including caller ID requirements, Junk Fax, and CAN-SPAM
    • Privacy implications - sharing information under Privacy regulations and FCRA
    • Testimonials - FTC standards
    • Promotions - drawings, giveaways, bonuses, etc.
    • Tax implications, and what not to say when talking about tax breaks

    Register here

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  • Compliance Perspectives: A Monthly Update

    Oct 26th, 2017
    1:00pm - 2:00pm

    Compliance Perspectives: A Monthly Update


    Presented by Richard Pry
    Thursday, October 26th, 2017
    1:00pm - 2:00pm CT
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  • Exploring the IRA Universe - Part II of IV: - Beyond the Basics; IRA Transfers and IRA and QP Rollovers

    Oct 26th, 2017
    1:30pm - 3:30pm

    Exploring the IRA Universe - Part II of IV

    This is Part II of a four-part series.
    Attend all sessions for complete information or any one independently.

     

    Presented by Patrice M. Konarik
    Thursday, October 26th, 2017
    1:30 pm - 3:30 pm CT

    PART II
    IRAs:
    Beyond the Basics;IRA Transfers and IRA and QP Rollovers
    • Why is it important to QUALIFY the money coming into the financial institution?
    • What are the three questions that should be verified?
    • What is the IRS definition of an IRA for rollover qualification purposes?
    • What happens if an IRA accountholder exceeds the once-per-12-month rule?
    • What are the exceptions for the 60 day time period where the customer can “self-certify” the rollover is still allowed?
    • What are the alternatives to moving money from IRA to IRA if not a “rollover”?
    • Which IRA Forms are used and how is the movement reported to the IRS?
    • When does the financial institution have to verify transactions with the other institution?
    • What’s the difference between an IRA Transfer, an IRA Rollover and a Qualified Plan Rollover?
    • Moving money from a Traditional to a Roth or QP to a Roth – Conversion vs. Rollover?
    • What is a Recharacterizations between plan types?
    • Most importantly…How do we correctly code the transactions above to the IRS?

    Register for the entire series
    Register for Part I - Thursday, October 19th, 2017 -1:30 pm - 3:30 pm CT
    Register for Part II - Thursday, October 26th, 2017 -10:00 am - 12:00 pm CT
    Register for Part III - Friday, December 1st, 2017 -10:00 am - 12:00 pm CT
    Register for Part IV - Tuesday, December 5th, 2017 -10:00 am - 12:00 pm CT

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  • Lending to Non-Profit Organizations

    Oct 27th, 2017
    10:00am - Noon

    Lending to Non-Profit Organizations


    Presented by Jeffrey W. Johnson
    Friday, October 27th, 2017
    10:00 am - 12:00 pm CT
     

    Covered Topics

    • Understanding the financial statement components of an NPO and their meaning
    • Understanding the layout of NPOs financial statements utilizing Statement of Financial Accounting Standard 117 (Financial Statements of Non-Profit Organizations)
    • Identifying the basic information required to analyze various types of NPOs and identifying risk factors commonly found in NPOs
    • Identifying key financial ratios utilized to analyze NPO and their respective interpretations
    • Structuring loans to NPOs in order to minimize the risks associated with this type of lending

    After completion of this session, the participants’ knowledge of NPOs will be enhanced and should improve the credit underwriting quality of this specialized form of lending.

    Click here to register

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  • Contingent Liabilities: Three Lines of Defense

    Oct 30th, 2017
    1:30pm - 3:30pm

    Contingent Liabilities: Three Lines of Defense


    Presented by Richard Hamm
    Monday, October 30th, 2017
    1:30 pm - 3:30 pm CT

    Lines of Defense:

    1. Full disclosure - including simple things like personal financial statement formats and other financial documents that contain clues to other contingent liabilities. 
    2. Developing a secondary or realistic liability which can emerge in the short term - going beyond the face amount of the guarantee (or other item), including: 
      • Understanding the full guarantee structure (guarantee percentage vs. ownership percentage)
      • Underlying cash flow and debt service coverage (DSC) of company or project/property as indicator of potential payment default, then any related collateral and/or reserves.
      • This section provides an assessment example using real estate projects.
    3. Understanding all related parties and the business balance sheet items among the parties
      • Various current receivables
      • Long-term or due from owners and how they arise
      • Other amounts due to owners (liabilities) and various levels or types of subordinated debt or liabilities
      • This section includes examples from financial statements and tax returns, plus issues with corporate "off balance sheet" items such as standby letters of credit and corporate guarantees.

    Click here to register

     

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  • "A Banker in Every Classroom" Week

    Oct 30th, 2017
    All-day Event

    2017 "A Banker in Every Classroom" Week

    For more information on this MBA-sponsored Financial Literacy Project, please CLICK HERE

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  • "A Banker in Every Classroom" Week

    Oct 31st, 2017
    All-day Event

    2017 "A Banker in Every Classroom" Week

    For more information on this MBA-sponsored Financial Literacy Project, please CLICK HERE

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  • UDAAP: Risk Assessment, Examination Procedures and Management

    Oct 31st, 2017
    10:00am - Noon

    UDAAP: Risk Assessment, Examination Procedures and Management


    Presented by Deborah Crawford
    Tuesday, October 31st, 2017
    10:00 am - 12:00 pm CT

    Covered Topics:

    • Standards for Determining What is Unfair or Deceptive
    • Unfair Acts or Practices
    • Public Policy May be Considered
    • Deceptive Acts or Practices
    • Complaint Resolution Procedures
    • Sources for Identifying Complaints
    • Analyzing Complaints
    • Relationship to Other Laws
    • Privacy of Consumer Financial Information
    • Risk Assessment Procedures
    • Transaction-Related Examination Procedures 
    • Relevant marketing and advertising materials, including website pages
    • Relevant disclosures and customer contracts

    Register here

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  • "A Banker in Every Classroom" Week

    Nov 1st, 2017
    All-day Event

    2017 "A Banker in Every Classroom" Week

    For more information on this MBA-sponsored Financial Literacy Project, please CLICK HERE

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  • "A Banker in Every Classroom" Week

    Nov 2nd, 2017
    All-day Event

    2017 "A Banker in Every Classroom" Week

    For more information on this MBA-sponsored Financial Literacy Project, please CLICK HERE

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  • TRID for Construction Loans

    Nov 2nd, 2017
    10:00am - Noon

    TRID for Construction Loans

     
    Presented by Jack Holzknecht and Kelly M. Owsley
    Thursday, November2nd, 2017
    10:00 am - 12:00 pm CT
     

    Topics Covered:

    • When and why construction loans are covered by the TRID rules
    • How to complete the loan estimate and closing disclosure for:
      • Construction only loans
      • Combined construction/permanent loans (both one-close and two-close)
      • Permanent financing that replaces construction financing
    • How to properly estimate interest on a construction loan
    • The impact of a construction only loan versus a lot purchase/construction loan
    • When to disclose "Sales Price", "Estimated Value", or "Appraised Value"
    • How to determine the proper "Purpose" of the loan
    • How to properly describe the "Product"
    • The proper disclosure of projected payments
    • How to properly disclose inspection fees
    • How to disclose undisbursed construction funds
    • Completing the "Cash to Close”, “Optional Alternative Cash to Close" and "Cash to Close" in the Borrower's Summary of the Closing Disclosure
    • When the AP Table is needed and how to properly complete it
    • How to complete the "In 5 years" disclosure for short-term construction loans
    • When to include the "60 days prior to consummation" disclosure

    Register here

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  • BSA Series: 10 BSA Exam Hot Spots

    Nov 2nd, 2017
    1:30pm - 3:30pm

    BSA Series: 10 BSA Exam Hot Spots


    Presented by Deborah Crawford
    Thursday, November 2nd, 2017
    1:30 pm - 3:30 pm CT
     

    What You Will Learn:

    • High risk transactions
    • High risk Customers
    • New Banking Services
    • New CTR
    • Developing risk and questionnaires for CDD
    • Developing your beneficial ownership program
    • Detecting Financial Crimes
    • BSA Sanctions and Violations 

    And much much more...

    Register here

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  • 2017 Wealth Management Conference

    Nov 2nd, 2017
    All-day Event
    Hilton Hotel, Jackson

    2017 Wealth Management Conference
    November 2-3
    Hilton Hotel, Jackson

     

     

    CLICK HERE to Register!

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  • "A Banker in Every Classroom" Week

    Nov 3rd, 2017
    All-day Event

    2017 "A Banker in Every Classroom" Week

    For more information on this MBA-sponsored Financial Literacy Project, please CLICK HERE

    More Details
  • 2017 Wealth Management Conference

    Nov 3rd, 2017
    All-day Event
    Hilton Hotel, Jackson

    2017 Wealth Management Conference
    November 2-3
    Hilton Hotel, Jackson

     

     

    CLICK HERE to Register!

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  • Basic Cash Flow Analysis

    Nov 3rd, 2017
    10:00am - Noon

    Basic Cash Flow Analysis


    Presented by Jeffrey W. Johnson
    Friday, November 3rd, 2017
    10:00 am - 12:00 pm CT
     

    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.

    Register here

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  • 6th Annual Strategic Opportunities and M&A - Regional Conference

    Nov 5th, 2017
    All-day Event
    JW Marriott Hotel, 614 Canal Street New Orleans, LA 70130

    6th Annual Strategic Opportunities and M&A Conference
    JW Marriott Hotel, 614 Canal Street, New Orleans, LA 70130
    November 5-7, 2017

    Co-sponsored by Texas, Louisiana, Arkansas, Oklahoma and Mississippi Bankers Associations
    Register by Friday, October 13, 2017

    (Register online or complete a separate form for each registrant).
    Click here to register

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  • 6th Annual Strategic Opportunities and M&A - Regional Conference

    Nov 6th, 2017
    All-day Event
    JW Marriott Hotel, 614 Canal Street New Orleans, LA 70130

    6th Annual Strategic Opportunities and M&A Conference
    JW Marriott Hotel, 614 Canal Street, New Orleans, LA 70130
    November 5-7, 2017

    Co-sponsored by Texas, Louisiana, Arkansas, Oklahoma and Mississippi Bankers Associations
    Register by Friday, October 13, 2017

    (Register online or complete a separate form for each registrant).
    Click here to register

    More Details
  • Untangling the Web of Fee Disclosures

    Nov 6th, 2017
    1:30pm - 3:30pm

    Untangling the Web of Fee Disclosures

     
    Presented by Jack Holzknecht and Kelly M. Owsley
    Monday, November 6th, 2017
    1:00 pm - 3:00 pm CT
     

    Program Content:

    Upon completion of the program, participants understand that improper fee disclosure may result in violations. In some cases a violation of one section may result in one or more violations of other sections. It is a tangled web. For example:
    • A violation of the finance charge rules contained in §1026.4 may also cause a violation of the disclosure requirements in §1026.18 or §1026.38 since the finance charge is included in those disclosures;
    • Improper categorization of fees on the TRID disclosures contained in §1026.37 and .38 may result in a violation of the tolerance rules contained in §1026.19;
    • Failure to follow the APR calculation rules contained in §1026.22 may result in:
      • The incorrect APR appearing in the disclosures contained in §1026.18, §1026.32, §1026.37 or §1026.38;
      • Inadvertently triggering coverage of §1026.32;
      • An inaccurate calculation of the rate spread disclosed on the HMDA LAR and used to determine the applicability of the high-cost mortgage loan rules contained in §1026.32 and the higher-priced mortgage loan rules contained in §1026.35; or
      • The incorrect disclosure of the HOEPA status disclosed on the HMDA LAR;
      • An inaccurate determination of the higher-priced covered transaction status of a loan for purpose of determining which a transaction achieves safe harbor or presumption of compliance status for the ability to repay rules in Section 1026.43;
    • Failure to properly calculate the total points and fees as prescribed by the high-cost mortgage loan rules contained in §1026.32 can:
      • Inadvertently trigger §1026.32 coverage;
      • Violate the disclosure rules contained in §1026.32;
      • Result in an incorrect entry on the HMDA LAR; and
      • Blow the Qualified Mortgage status for purposes of §1026. 43; or
    • Failure to follow TRID rules contained in §1026.38 may result in the incorrect disclosure of the total of all itemized amounts that are designated borrower-paid at or before closing on HMDA LAR.
    Register here
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  • 6th Annual Strategic Opportunities and M&A - Regional Conference

    Nov 7th, 2017
    All-day Event
    JW Marriott Hotel, 614 Canal Street New Orleans, LA 70130

    6th Annual Strategic Opportunities and M&A Conference
    JW Marriott Hotel, 614 Canal Street, New Orleans, LA 70130
    November 5-7, 2017

    Co-sponsored by Texas, Louisiana, Arkansas, Oklahoma and Mississippi Bankers Associations
    Register by Friday, October 13, 2017

    (Register online or complete a separate form for each registrant).
    Click here to register

    More Details
  • Information Security Program Basics: Create and Build Your Program

    Nov 7th, 2017
    10:00am - Noon

    Information Security Program Basics: Create and Build Your Program


    Presented by Chad Knuston
    Tuesday, November 7th, 2017
    10:00 am - 12:00 pm CT

    Covered Topics:

    • Regulatory Requirements
    • Purpose of repeatable cybersecurity frameworks
    • Program Basics for a solid framework
    • Detailed explanation of framework components
    • Next steps for a comprehensive, valuable, repeatable framework
    • Making decisions with the framework
    • See new issues and technologies automatically handled by a solid framework

    Register here

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  • Lending 101

    Nov 7th, 2017
    1:30pm - 3:30pm

    Lending 101


    Presented by Anne Lolley
    Tuesday, November 7th, 2017
    1:30 pm - 3:30 pm CT
     

    Covered Topics:

    • Appraisals and evaluations
    • BSA requirements
    • Credit practices rule
    • Environmental rules
    • ECOA requirements (joint applications, adverse action, notices, copy-of-appraisal requirements)
    • Federal insurance disclosures
    • Flood insurance
    • HMDA and non-HMDA monitoring
    • Homeownership counseling
    • LTV limits
    • Military Lending Act
    • Privacy
    • RESPA
    • Reg U
    • Risk-based-pricing
    • Servicemember Civil Relief Act
    • Service member requirements
    • Tenants in foreclosure
    • Truth-In-Lending (right of rescission, TRID)
    Register here
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  • Violence in Your Workplace: Prevention & Response

    Nov 8th, 2017
    1:30pm - 3:30pm

    Violence in Your Workplace: Prevention & Response


    Presented by Carol Dodgen
    Wednesday, November 8th, 2017
    1:30 pm - 3:30 pm CT
     

    Highlights:

    • Recent Case Studies
    • Recognizing Warning Signs
    • Handling Domestic Violence Situations
    • “Best Practice” Methods for Violence Diffusion and Prevention
    • Preventive Physical Security Measures
    • Active Shooter Response
    • Types of workplace violence
    • De-escalation techniques

    Resiger here

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  • Employment Records and How to Keep Them

    Nov 9th, 2017
    10:00am - Noon

    Employment Records and How to Keep Them


    Presented by Bob Gregg
    Thursday, November 9th, 2017
    10:00 am - 12:00 pm CT

    Topics Covered:

    • 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?

    Register here

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  • Loan Participations for Community Banks: Risks & Rewards

    Nov 9th, 2017
    1:30pm - 3:30pm

    Loan Participations for Community Banks: Risks & Rewards


    Presented by Robin Russell
    Thursday, November 9th, 2017
    1:30 pm - 3:30 pm CT
     

    What You Will Learn:

    • Advantages of a participation to the lead bank and participant bank
    • Risks to the participant
      • Lack of information
      • Lack of involvement in negotiations
      • Dependency upon lead
      • Waivers
      • Financial instability/insolvency of lead
      • Set-off by borrower
      • Failure to perfect
      • Conflicts of interest
    • Due diligence by the participant and access to information
    • Disclosure of participation to borrower
    • Concentrations and other regulatory aspects of participations
    • Loan agreement provisions related to participations
    • Duties owed by lead to participant
    • Rights to loan collateral and guaranties
    • Loan administration issues
      • Loan payments and other functions
      • Consent to amendments
      • Restrictions on transferLoan purchase options
      • Reimbursement and indemnification obligations
      • Subparticipations
      • Set-off by participant
      • Understanding the participation agreement
      • The participant's checklist
      • The participation in workout
    Register here
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  • 7 Habits of Highly Successful Supervisors

    Nov 13th, 2017
    1:30pm - 3:30pm

    7 Habits of Highly Successful Supervisors


    Presented by Honey Shelton
    Monday, November 13th, 2017
    1:30 pm - 3:30 pm CT
     

    Covered Topics:

    1. Acknowledge Your Role – Learn the value of boundaries. Find balance between your need for approval and the larger need for meeting team and company goals.
    2. Plan and Prioritize – Realize that your primary job is to make sure that everything that needs to get done gets done. Planning and prioritizing departmental tasks, and assigning the right tasks to the right people, is the key to everyone’s success.
    3. Be Accessible – Take the time to walk around your department so you can see and hear what is going on. It’s a great way to find and take advantage of "coachable moments". Establish routine coaching appointments with your staff to create consistent, timely accessibility.
    4. Encourage Teamwork – Foster input from team members and demonstrate how the success of one benefits the entire team and positively impacts the entire organization.
    5. Communicate Upward and Downward – Let your team in on the reasons behind decisions, then listen and share their input and concerns. You will create a happier, more productive workplace.
    6. Delegate – Delegating not only helps you manage your workload, it helps team members develop important skills and become more self-supervising. Provide encouragement and follow-up, so team members know they have the support and resources they need.
    7. Discipline Effectively – Set clear expectations. When it comes to performance concerns, be specific with team members. Let them see how their actions impact the team and the organization.
    Register here
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  • Flood Insurance: Compliance Issues and Enforcement Topics that Continue to Plague Lenders

    Nov 14th, 2017
    10:00am - Noon

    Flood Insurance: Compliance Issues and Enforcement Topics that Continue to Plague Lenders


    Presented by Carl Pry
    Tuesday, November 14th, 2017
    10:00 am - 12:00 pm CT
     

    Covered Topics:

    • 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
    Register here
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  • HMDA 2018 Challenges with Taking Applications Part II – Commercial Applications

    Nov 14th, 2017
    1:30pm - 3:30pm

    HMDA 2018 Challenges with Taking Applications
    Part II of II – Commercial Applications


    Presented by Susan Costinis
    Thursday, November 14th, 2017
    1:30 pm - 3:30 pm CT
     

    Highlights:

    • 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!
    • What data will be reported? What data will be excluded for business applications? Business purpose loans have many fields that are “not applicable”.
    • What is the correct application date?
    • Identifying the correct loan purpose – there are FIVE options and rules for multi-purpose loans.
    • What does the front-line need to know about these changes?
    • 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
      • Application date
      • Ethnicity, race and sex
        • Disaggregation of ethnicity and race
        • Explanation for 13 KEY points about data collection including loan applications that begin in 2017 but final action is taken on or after January 1, 2018.

    Register for Part I and Part II of this series
    Register for Part I only
    Register for Part II only

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  • Countdown to CDD Rules: Where Are You Now?

    Nov 15th, 2017
    10:00am - Noon

    Countdown to CDD Rules:  Where Are You Now?


    Presented by Deborah Crawford
    Wednesday, November 15th, 2017
    10:00 am - 12:00 pm CT
     

    Covered Topics:

    • Final rule and changes
    • What is a legal entity?
    • Who is included and excluded?
    • What special rules do we add for beneficial owners?
    • Do we have to use the new form?
    • Can we gather beneficial ownership information at lower amounts than 25%?
    • Do we have to use our same CIP for beneficial owners or can we use a different but similar CIP?
    • Are trusts covered? IOLTA?
    • How does this work on a multi-tiered business?
    • What do we do on charities and nonprofit organizations?
    • Does this apply to sole proprietorship accounts?
    • How do we risk rate? Monitor?
    • Develop new procedures and policies for business accounts
    What You Will Receive:
    • Sample Policy
    • Sample Legal Entity Handbook with procedures
    • Script for consumers and legal entities
    Register here
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  • The Uniform Commercial Code for Bankers

    Nov 15th, 2017
    1:30pm - 3:30pm

    The Uniform Commercial Code (UCC) for Bankers


    Presented by Robin Russell
    Wednesday, November 15th, 2017
    1:30 pm - 3:30 pm CT

     

    Covered Topics:

    • Overview and UCC definitions
    • Article 9 secured transactions
    • Perfection and attachment
    • Rules of priority
    • UCC forms and how they work: UCC-1, UCC-3, UCC-5, UCC-11
    • Common mistakes: debtor names, collateral descriptions, filing locations
    • Titled assets
    • Special rules for intellectual property
    • Special filing offices
    Resiger here
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  • 20 Legal Account Ownerships, Titles, Sample Signature Cards and Legal Documentation

    Nov 16th, 2017
    10:00am - Noon

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


    Presented by Deborah Crawford
    Thursday, November 16th, 2017
    10:00 am - 12:00 pm CT
     

    Topics Covered:

    • How to open and document personal accounts, fiduciary accounts and business accounts
    • How setting up accounts improperly can created 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 attorneys-in-fact do and not do on individual accounts
    • How to change business accounts signers and owners
    • And much, much more...
    Register here
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  • Compliance Perspectives: A Monthly Update

    Nov 16th, 2017
    1:00pm - 2:00pm

    Compliance Perspectives: A Monthly Update


    Presented by Richard Pry
    Thursday, November 16th, 2017
    1:00pm - 2:00pm CT
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  • Controlling the Risks of Power of Attorney Documents

    Nov 16th, 2017
    1:30pm - 3:30pm

    Controlling the Risks of Power of Attorney Documents


    Presented by Terri D. Thomas
    Thursday, November 16th, 2017
    1:30 pm - 3:30 pm CT
     

    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?

    Register here

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  • Commercial and Industrial (C&I) Lending in Today’s Competitive Market

    Nov 17th, 2017
    10:00am - Noon

    Commercial and Industrial (C&I) Lending in Today’s Competitive Market


    Presented by David L. Osburn
    Friday, November 17th, 2017
    10:00 am - 12:00 pm CT
     

    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
    • Analyze the Borrowing Base Certificate (BBC)
    • Evaluate the borrower’s financial statements
    • Review the documentation, collateral, pricing, and managing of C&I loans
    • Develop the marketing of C&I loans in today’s economy
    Register here
    More Details
  • For Salespeople and Managers: The Guide to Building Your Business Work Plan for 2018

    Nov 20th, 2017
    Noon - 2:00pm

    For Salespeople and Managers:
    The Guide to Building Your Business Work Plan for 2018



    Presented by Jack Kasel
    Monday, November 20th, 2017
    12:00 pm - 1:00 pm CT
     

    Highlights:

    This one-hour webinar will help RMs and their Leaders:

    • Develop a personal and business workplan that will help drive desire and commitment for extraordinary success in sales, both individually and as a team
    • Establish and connect individual personal goals with business goals
    • Utilize a template to implement a disciplined process to stay on track and focused on the priority drivers of business
    Register here
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  • Developing an Incident Response Plan for an Information Security Breach

    Nov 20th, 2017
    1:30pm - 3:30pm

    Developing an Incident Response Plan for an Information Security Breach


    Presented by Susan Orr
    Monday, November 20th
    1:30 - 3:30PM CT

     

    Covered Topics:

    • Key regulatory requirements including state level data breach notification laws
    • Key elements of an Incident Response Plan
    • Computer Incident Response Team
    • Roles and Responsibilities
    • Overview of types of incidents
    • Response steps
    • Things you can do that may help prevent a breach

    Register here
    More Details
  • Ratio Analysis to Determine Financial Strength

    Nov 21st, 2017
    10:00am - Noon

    Ratio Analysis to Determine Financial Strength


    Presented by Jeffrey W Johnson
    Tuesday, November 21st, 2017 - 10:00 am -12:00 pm CT
     

    Covered Topics:

    • Liquidity
      • Current / Quick Ratios
      • Working Capital Analysis
      • Defensive Interval Ratio
      • Activity Ratios for Working Capital Assets
      • Activity Ratios for Working Capital Liabilities
    • Leverage
      • Ratios to Measure the Proportion of Support Provided by Owners and Creditors
    • Asset Management
      • To Measure the Ability of Management to Use Assets to Generate Sales and Profits
    • Operations
      • Performance Ratios to Measure the Relationship among Sales, Costs and Expenses, and How their Changes Affect the Bottom Line
    • Cash Flow
      • Uniform Cash Analysis to Determine Sources and Uses of a Firm's Cash as a Means of Serving Long-Term Debt

    Leave with a deeper understanding of ratio and credit analyses during the underwriting process. This translates into well-organized, clearly written credit memoranda so you'll be more confident explaining trends and the financial impact on customers and prospects.

    Register here

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  • Excel Explained: Managing Large Spreadsheets

    Nov 27th, 2017
    1:30pm - 3:30pm

    Excel Explained: Managing Large Spreadsheets


    Presented by David Ringstrom
    Monday, November 27th, 2017
    1:30 pm - 3:30 pm CT

    Covered Topics:

    • Switching between Custom Views by way of a hidden drop-down list you can enable on Excel’s Quick Access Toolbar.
    • Restoring "classic" Print Preview functionality in Excel 2007 and later.
    • Seeing how to view two worksheets from within the same workbook at the same time.
    • Avoiding repetitive work by creating a keyboard shortcut for Excel’s Freeze Panes feature.
    • Saving time when aggregating data from multiple worksheets with Excel's INDIRECT function.
    • Understanding the difference between manual and automatic calculation modes in Excel.
    • Using Excel's Custom Views feature to apply different print settings, including orientation and margins, to a single worksheet.
    • Learning the power - and the risks - of grouping worksheets.
    • Using the Group and Ungroup feature to expand or collapse rows and/or columns.
    • Simplifying repetitive tasks by creating your own keyboard shortcuts.
    • Learning a simple technique that can reduce the size of a large Excel workbook by 1/3 or more.
    • Learning how to deal with annoying changes to Print Preview in Word 2010 and later.

    Register here

    More Details
  • Critical Issues on Certificates of Deposit (CDs)

    Nov 28th, 2017
    10:00am - Noon

    Critical Issues on Certificates of Deposit (CDs)


    Presented by Deborah Crawford
    Tuesday, November 28th, 2017
    10:00 am - 12:00 pm CT
     

    Covered Topics:

    • What is a CD in 2017? Do we need to issue statements on CDs?
    • What disclosures should we give when we open a CD? What maturity notices?
    • Can the financial institution offset a CD?
    • Can the names on a CD be changed?
    • What happens on a CD secured loan with a pay on death?
    • What notifications do we have to send for a "change in terms" under TISA?
    • Can we waive CD penalties? Can a penalty be waived for certain circumstances?
    • What happens when the accountholder loses a CD? Do we still do loss of CD affidavit?
    • What is meant by paperless CDs?
    • Do we have to have all the owners sign a CD? Is that true for insurance purposes?
    • How do we issue the check when we cash a CD?
    Register here
    More Details
  • Living Trust Documents

    Nov 28th, 2017
    1:30pm - 3:30pm

    Living Trust Documents


    Presented by Terri D. Thomas
    Tuesday, November 28th, 2017
    1:30 pm - 3:30 pm CT
     

    Covered Topics:

    • What are the differences between revocable and irrevocable trusts?
    • What does it mean when a trust is called a "living trust" versus a "testamentary trust?"
    • How does the financial institution establish the relationship, including changing titles and performing transactions (loans or deposits)?
    • How many co-trustees does it take to bind the trust?
    • When can a successor trustee do business for the trust?
    • Can a power of attorney be used with a trust document?
    • Can a trust own a safe deposit box?
    • Can a trust co-own an account with another trust (or person)?
    Register here
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  • Fraud Detection

    Nov 29th, 2017
    10:00am - Noon

    Fraud Detection


    Presented by Randy Phillips
    Wednesday, November 29th, 2017
    10:00 am - 12:00 pm CT
     

    Objectives:

    1. Understand how generational differences play a significant part in fraud.
    2. Name the most important asset in internal fraud detection.
    3. What is the correlation between our institutional culture and fraud.
    4. Identify the 3 most important elements in any internal fraud investigation.
    5. Understand the importance of proper case management and court room preparation.
    6. Why you should preplan your interview and have multiple exit strategies.
    Register here
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  • Commercial Construction Lending

    Nov 29th, 2017
    1:30pm - 3:30pm

    Commercial Construction Lending


    Presented by Richard Hamm
    Wednesday, November 29th, 2017
    1:30 pm - 3:30 pm CT
     

    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
    • Five items that determine how you handle a specific loan
      • The type of project (full construction vs. renovation, etc.)
      • The loan approval and related conditions or contingencies
      • The term sheet or commitment letter written to the customer
      • Your bank’s policies and procedures
      • The construction loan agreement
    • 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
    Register here
    More Details
  • 2017 TRID Final Rule Update

    Nov 30th, 2017
    10:00am - Noon

    2017 TRID Final Rule Update


    Presented by Jerod Moyer
    Thursday, November 30th, 2017
    10:00 am - 12:00 pm CT
     

    Covered Topics:

    • Effective Date vs. Mandatory Compliance Date
    • Good Faith
    • Revised Disclosures
    • Construction Loan Provisions (there are many!)
    • Escrow Closing & Partial Payment Notices
    • TRID and Trusts
    • Simultaneous Subordinate Lien Loans
    • Total Payment Tolerances
    • Calculating Cash to Close
    • Provider List Changes
    • And Much, Much, More!
    Register here

     

     

    More Details
  • Robbery Awareness

    Nov 30th, 2017
    1:30pm - 3:30pm

    Robbery Awareness


    Presented by Barry Thompson
    Thursday, November 30th, 2017
    1:30 pm - 3:30 pm CT
     

    Objectives:

    • Establish a robbery prevention checklist
    • Discuss risk management issues
    • Receive a robbery summary with actual examples
    • Learn how to prepare for a robbery
    • Discuss law enforcement response issues
    • Review witness identification exercises

    Register here

    More Details
  • Exploring the IRA Universe - Part III of IV: Auditing and Compliance; How to Audit your IRA Accounts

    Dec 1st, 2017
    10:00am - Noon

    Exploring the IRA Universe - Part III of IV

    This is Part III of a four-part series.
    Attend all sessions for complete information or any one independently.

     

    Presented by Patrice M. Konarik
    Friday, December 1st, 2017
    10:00 am - Noon CT

    PART III
    IRAs:
    Way Beyond the Basics; Beneficiaries and Distributions
    • IRA Beneficiaries
      • Basic difference between primary and contingent beneficiaries
      • Naming an estate or trust as a beneficiary
      IRA Distributions includes:
      • IRS penalty exceptions prior to age 59½ and the proper IRS coding
      • Required Annual Notifications for RMDs and Withholding
      • The NINE red flags of beneficiary payouts – including reporting pitfalls
      • Extensive discussion of beneficiary payout options – including spouse, nonspouse, estate and trust
      • Setting up the Inherited IRA and documentation requirements

    Register for the entire series here
    Register for Part I - Thursday, October 19th, 2017 -1:30 pm - 3:30 pm CT
    Register for Part II - Thursday, October 26th, 2017 -10:00 am - 12:00 pm CT
    Register for Part III - Friday, December 1st, 2017 -10:00 am - 12:00 pm CT
    Register for Part IV - Tuesday, December 5th, 2017 -10:00 am - 12:00 pm CT

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  • Strategic Loan Pricing

    Dec 4th, 2017
    1:30pm - 3:30pm

    Strategic Loan Pricing


    Presented by Richard Hamm
    Monday, December 4th, 2017
    1:30 pm - 3:30 pm CT

    Register here

     

     

    More Details
  • Exploring the IRA Universe - Part IV: IRAs: Auditing and Compliance; How to Audit your IRA Accounts

    Dec 5th, 2017
    10:00am - Noon
    This is Part IV of IV.
    Attend all sessions for complete information or any one independently.

     


    Presented by Patrice M. Konarik
    Tuesday, December 5th, 2017
    10:00 am - Noon CT

    PART IV
    IRAs:
    Auditing and Compliance; How to Audit your IRA Accounts

    • IRA forms to be kept on record by the financial institution and the accountholder’s required disclosures and forms
    • What are the IRA accountholder notices that must be sent out in a timely manner
    • How to audit the IRA department as far as expertise, form use, procedures and work flow
    • Line by line instructions on 5498 and 1099-R reporting – what’s required vs. what’s optional.
    • How and when to correct IRS reporting to avoid increased IRS fines to the financial institution
    • The most common errors hiding in your IRA customer files
    • Forms and tools for auditing your IRA files
    • 2018 IRA Cost of Living Adjustments
       

    Register for the entire series here
    Register for Part I - Thursday, October 19th, 2017 -1:30 pm - 3:30 pm CT
    Register for Part II - Thursday, October 26th, 2017 -10:00 am - 12:00 pm CT
    Register for Part III - Friday, December 1st, 2017 -10:00 am - 12:00 pm CT
    Register for Part IV - Tuesday, December 5th, 2017 -10:00 am - 12:00 pm CT

    More Details
  • HMDA - Last Minute Update (Warning)

    Dec 5th, 2017
    1:30pm - 3:30pm

    HMDA - Last Minute Update (Warning)


    Presented by Jack Holzknecht & Kelly Owsley
    Tuesday, December 5th, 2017
    1:30 pm - 3:30 pm CT
     

    Covered Topics:

    • Which applications and loans are and are not reportable
    • Amendments related to the collection of ethnicity, race, and sex of applicants and borrowers
    • Details on the data submission requirements and public availability requirements
    • Final amendments published on August 24, 2017, including the impact these will have on many financial institutions reporting open-end lines of credit
    • A review of the obscure areas of the regulation to assist in eliminating reporting errors and avoid penalties
    Register here
    More Details
  • 2018 Cybersecurity Forecast

    Dec 6th, 2017
    10:00am - Noon

    2018 Cybersecurity Forecast

     
    Presented by Chad Knutson
    Tuesday, December 5th, 2017
    10:00 am - 12:00 pm CT

    As the year slowly winds down, join us for a review on major information security events in 2017 and a brief look forward at what is to come in 2018. With so much activity in the cybersecurity space, new government regulation, and continued data breach reports; there are many lessons learned and takeaways to reflect on. Use these reflections as a launching pad for changes in 2018, to tackle the next round of cybercrime in banking. Unfortunately, most our topics will reflect increasing cybercrime incidents related to ATMs, wire transfers, corporate accounts, or mobile devices. We will however provide some guidance on next steps to mitigate the risk around these key areas and identify next steps to improve programs such as third party management, cybersecurity, and employee education.

    The cybersecurity issues we face tomorrow won’t be addressed by heroic actions. Our institutions need continual process improvements and the additional evolution of cybersecurity in their culture. Cybercrime will not be defeated with compliance along but through solid information security programs and well trained people.

    Register here

    More Details
  • Opening Accounts for High Risk Customers: Documentation, Scripts and Risk Mitigation

    Dec 6th, 2017
    1:30pm - 3:30pm

    Opening Accounts for High Risk Customers:
    Documentation, Scripts and Risk Mitigation



    Presented by Deborah Crawford
    Wednesday, December 6th, 2017
    1:30 pm - 3:30 pm CT
     

    Covered Topics:

    • How to identify high risk account holders - NAICS, CTR exemptions, FFIEC Exam Manual
    • Account holder type and account holder behavior feed risk scores
    • What do we need to know about these high-risk account holders?
    • How can we monitor them? Change risk? Close relationships?
    • A special look at NRAs, PEPs, MSBs, NGOs and Cash Intensive Businesses
    • How do these account holders affect your overall institution risk rating?
    • Impact on policy, procedures and monitoring
    Register here
    More Details
  • BSA: SAR Decision Making

    Dec 7th, 2017
    10:00am - Noon

    SAR Decision Making


    Presented by Deborah Crawford
    Thursday, December 7th, 2017
    10:00 am - 12:00 pm CT
     

    Covered Topics:

    • What is a red flag?
    • Where can red flags come from?
    • What crimes and circumstances would cause us to file a SAR?
    • Completing the SAR
    • Understanding how to write a narrative
    • Model validation and its role in the automated process
    • Managing red flags when you are not automated
    • Centralization of SAR filing
    • Your SAR Committee
    • Your SAR Swat team
    • NY 504 Rule and what it means for NY and the rest of us
    Register here


     
    More Details
  • Get Global: Understanding Global Cash Flow Analysis

    Dec 7th, 2017
    1:30pm - 3:30pm

    Get Global: Understanding Global Cash Flow Analysis


    Presented by Jeffery W. Johnson
    Thursday, December 7th, 2017
    1:30 pm - 3:30 pm CT
     

    Covered Topics:

    • An illustration of 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 for determining how much cash is generated from items on the balance sheet
    • Global Cash Flow Analysis Methodology using financial statements, tax returns and credit reports of commercial borrowers and individuals
    • Comparison of the UCA method of calculating cash flow versus the less effective traditional EBITDA (Earnings Before Interest, Taxes, Depreciation and Amortization) method of determining cash flow
    • A fast Cash Analysis method that can get you to the same results in less time
    Register here
    More Details
  • Agricultural Loan Documentation & Administration

    Dec 8th, 2017
    10:00am - Noon

    Agricultural Loan Documentation & Administration


    Presented by Robin Russell
    Friday, December 8th, 2017
    10:00 am - 12:00 pm CT
     

    Covered Topics:

    • Risks of agricultural lending
    • Common agricultural collateral
    • Agricultural loan documentation
    • The Food Security Act of 1985
    • Agricultural financial statements
    • Statutory liens on farm products
    • Documents of title: warehouse receipts and bills of lading
    • Dealing with warehoused farm products
    • Commodity contracts
    • Crop and livestock inspections
    • Registered livestock
    • Farming operations on leased or mortgaged property
    • Crop and other insurance
    • Federal farm programs
    • Lending limits
    Register here
    More Details
  • Commercial Real Estate Lending: Cash Flow Analysis

    Dec 11th, 2017
    1:30pm - 3:30pm

    Commercial Real Estate Lending:  Cash Flow Analysis


    Presented by Richard Hamm
    Monday, December 11th, 2017
    1:30 pm - 3:30 pm CT
     

    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
    Register here
    More Details
  • Notary Public

    Dec 12th, 2017
    10:00am - Noon

    Notary Public


    Presented by Terri D. Thomas
    Tuesday, December 12th, 2017
    10:00 am - 12:00 pm CT
     

    Covered Topics:

    • Conflicts of interest
    • What happens when the law and the employer don't agree
    • Different types of notarial acts
    • Notarial liability and why notaries are sued
    Register here

     

    More Details
  • Excel Explained: Introduction to Spreadsheets

    Dec 12th, 2017
    1:30pm - 3:30pm

    Excel Explained: Introduction to Spreadsheets


    Presented by David Ringstrom
    Tuesday, December 12th, 2017
    1:30 pm - 3:30 pm CT
     

    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.

    Register here

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  • RESPA Section 8 Violations

    Dec 13th, 2017
    10:00am - Noon

    RESPA Section 8 Violations

     
    Presented byJack Holzknecht & Kelly M. Owsley
    Wednesday, December 13th, 2017
    10:00 am - 12:00 pm CT
     

    Covered Topics:

    Upon completion of the program participants understand:
    • What transactions are covered by RESPA's prohibition against unearned fees and kickbacks;
    • What actions are prohibited;
    • What constitutes a referral fee, or an unearned fee or kickback;
    • What compensation is permissible;
    • What constitutes an affiliated business arrangement and the rules that apply to such arrangements;
    • How to properly handle broker arrangements; and
    • Recent CFPB consent decrees related to Section 8, including a case where the CFPB didn’t come out the winner in the end.
    Register here
    More Details
  • ESign Compliance

    Dec 13th, 2017
    1:30pm - 3:30pm

    ESign Compliance -
    Implementation Steps and Requirements for Loan Applications



    Presented by Susan Costonis
    Wednesday, December 13th, 2017
    1:30 pm - 3:30 pm CT
     

    Covered Topics:

    • 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
    Register here
    More Details
  • EFT

    Dec 14th, 2017
    10:00am - Noon

    EFT


    Presented by David Dickinson
    Thursday, December 14th, 2017
    10:00 am - 12:00 pm CT
     

    Covered Topics:

    • Disclosures (Initial, Change in Terms & Periodic)
    • What is an EFT?
    • Consumer & Bank Liability
    • Investigation Time Limits
    • Resolution Requirements
    • Visa & MasterCard Rules
    • Common Misconceptions
    • UDAAP Risks
    Register here
    More Details
  • Unraveling the similarities and differences between the Green Book & ACH Payments

    Dec 14th, 2017
    10:00am - Noon

    Unraveling the similarities and differences between the Green Book & ACH Payments


    Presented by Kate Cole
    Friday, December 15th, 2017
    10:00 am - 12:00 pm CT

     

    Learn the differences between the Green Book and the ACH Rules, with a focus on enrollment, payment processing, reclamations and limiting your liability. The Bureau of Fiscal Services (formally Financial Management Services) manages the payments from the majority of the Federal Government Agencies. The Green Book is a comprehensive guide for financial institutions that receive ACH payments from and send payments to the federal government. In this session we will discuss the differences between the Green Book and the ACH Rules. The reclamation process can be confusing and can have a financial impact on your bank. Join us to learn about your liability and how to limit it.

    Highlights:

    • Where to look for contacts within the different government agencies
    • How to handle notifications of change
    • How to limit your liability on Federal Government Reclamations

    Register here

    More Details
  • Onboarding Your New Hire

    Dec 17th, 2017
    1:30pm - 3:30pm
    Onboarding Your New Hire

    Onboarding Your New Hire


    Presented by Honey Shelton
    Monday, December 18th, 2017
    1:30 pm - 3:30 pm CT


    For Banks That Are Serious About Taking Onboarding Up a Notch

    This dynamic program will help raise the bar when it comes to engaging and training new employees from the start. Showcase your culture to your new hires. Want some ideas on how to polish your culture? Those ideas are included in this highly popular topic.How do you check all the required boxes while still maintaining the interest of your new hire? Wow them with a genuine interest and care in their success with your organization. Learn how to excel at new employee onboarding.
     

    What you will learn:

    • Polish up your culture and get the word out about it to everyone
    • Showcase your culture in every job interview and every launch of a new hire
    • How to set the tone for success?
    • The Four C's of onboarding: Compliance, Clarification, Culture and Connection
    • Using the first two weeks of employment as a launching board
    • Create an engaged employee from the start.
    • Best practices to wow the new hire
    • What is employee engagement?
    • How do I train a new hire effectively?
    • Provide coaching and support

    Register here

    More Details
  • IRS Information Reporting: Rules and Forms

    Dec 19th, 2017
    10:00am - Noon

    IRS Information Reporting: Rules and Forms


    Presented by Carl Fry
    Tuesday, December 19th, 2017
    10:00 am - 12:00 pm CT
     

    Covered Topics:

    • Taxpayer Identification Numbers - soliciting them, reporting issues, mismatches from the IRS and what to do (includes truncation options)
    • Backup withholding - "B" notices: what to do and when
    • 1099 reporting - its many and various forms, from interest and dividend income, abandoned and foreclosed property, IRA distributions, debt cancellation, and miscellaneous reporting
    • 1099-C Discharge of Debt rule
    • 1098s - what amount is reportable here? How about points? What is a qualifying mortgage?
    • IRA reporting - 5498s and the 1099-R
    • Timing requirements for the various forms
    • Penalties for noncompliance and failure to file
    • Changes in reporting requirements for tax year 2017
    • The Foreign Account Tax Compliance Act (FATCA) - what it is and what you have to do about it
    Register here
    More Details
  • Writing Business Account Procedures for New CDD

    Dec 19th, 2017
    1:30pm - 3:30pm

    Writing Business Account Procedures - New CDD


    Presented by Deborah Crawford
    Tuesday, December 19th, 2017
    1:30 pm - 3:30 pm CT
     

    Covered Topics:

    • What authority is need to open every type of business account
    • Why we do what we do in establishing ownership and liability
    • What the resolution does and does not do on business accounts
    • Impact of CIP and CDD from the Bank Secrecy Act on opening accounts
    • Detecting beneficial owners
    • Implementing new procedures for customer due diligence and beneficial owners
    • Changing signatories
    • Multi-tiered LLCs
    • Partnerships with businesses as partners
    • Corporations dba other entities
    • Trusts as owners of businesses

    Register here

    More Details
  • Commercial Real Estate (CRE) Lending in Today’s Economy

    Dec 20th, 2017
    10:00am - Noon

    Commercial Real Estate (CRE) Lending in Today's Economy


    Presented by David Osburn
    Wednesday, December 20th, 2017
    10:00 am - 12:00 pm CT
     

    Attend this webinar to review the basics of “commercial real estate” including types of properties and demand/supply in the “current” market. The session will then cover the entire loan process by which a “commercial real estate loan” is marketed, underwritten, approved, documented, “closed,” and monitored. The process will include examples of commercial real estate underwriting techniques and loan documentation issues. Additionally, strategies to handle a problem commercial real estate loan will be addressed.

    OBJECTIVES:

    • Review the basics of commercial real estate including types of properties and demand/supply in the current market
    • Gain an understanding of how banks process commercial real estate loans
    • Learn the steps of marketing, approving, documenting, closing, and monitoring a commercial real estate loan
    • Cover examples of commercial real estate loan underwriting and loan documentation
    • Address problem loan issues
    Register here
    More Details
  • W-9, W-8BEN and W-8BEN-E New Updated Forms and Info

    Dec 20th, 2017
    1:30pm - 3:30pm

    W-9, W-8BEN and W-8BEN-E New Updated Forms and Info


    Presented by Deborah Crawford
    Wednesday, December 20th, 2017
    1:30 pm - 3:30 pm CT
     

    Covered Topics:

    • Line by line review of the W-9
    • Exemption codes on the W-9 and FATCA exemption codes
    • SSNs, ITINs and EINs who needs what
    • IRS reporting on the 1099 Int and the 1042S
    • What happens when name and TIN do not match?
    • B notices and fines
    • How does the IRS set up name control files?
    • Line by Line Instruction on the new W8BEN and W-8BEN E
    • What is a nonresident alien? What if there is no country address?
    • Basic understanding of FATCA and how it impacts your organization
    • Documenting GIIN for foreign financial institutions

    Register here

    More Details
  • Coaching Tellers to Excellence

    Dec 21st, 2017
    10:00am - Noon

    Coaching Tellers to Excellence


    Presented by Honey Shelton
    Thursday, December 21st, 2017
    10:00 am - 12:00 pm CT

    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 on? 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. Honey Shelton will help you see how you can put coaching techniques into your leadership skills and get positive and meaningful results.

    Learn how to coach your teller to:

    • 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
    • Stay off their cell phone at 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

    Register here

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  • Compliance Perspectives: A Monthly Update

    Dec 21st, 2017
    1:00pm - 2:00pm

    Compliance Perspectives: A Monthly Update


    Presented by Carl Pry
    Thursday, December 21st, 2017
    1:00 pm - 2:00 pm CT

    Register here
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