Understand the regulatory requirements impacting your mobile banking services, including Reg Z, Reg CC, Reg DD, and UDAAP
Utilize provided tools to assess risks associated with electronic banking
Discuss ADA applicability to mobile banking services
Review best practices for implementing and updating mobile banking products
Understand data security laws, regulations, and the IT examination process
Learn how to set a security appetite at the board level for the C-suite to operationalize
Learn what security-related roles and committees you should establish at your financial institution
Understand the roles and responsibilities of a board member as it relates to cyber • Understand the roles and responsibilities of all C-suite roles, including CEO, COO, CFO, CIO, CTO, CISO, CMO, and CHRO
Understand what a top-down Information Security Program looks like for your financial institution
Learn what documentation is necessary for information security program governance
Describe the components of an effective management testing and IT auditing program as part of a governance program
Review security metrics for security governance
The GENIUS Act and key legal takeaways
How banks can legally issue or support stablecoins
What this means for payments, compliance, and innovation
The basic format of the statement of cash flows as presented by a financial institution
The definition of cash and non-cash elements in the statement of cash flows and the required disclosures
How to identify the proper classification of cash flow activities into operating, investing, and financing activities
How to reconcile the change in beginning vs. ending balances for balance sheet items common to financial institutions and where to report in the statement of cash flows
Exercises and examples for the proper classification of common activities into operating, investing, and financing activities
A sample mathematical reconciliation of cash flow activities for key financial statement line items, combined with proper reporting in the statement of cash flows
New tax on foreign remittances: What do you need to know and do
Interest deduction on car loans: Who qualifies and marketing opportunities
W-2 information on reporting overtime: Which is tax deductible and tips
Health Savings Account changes: Plan amendments and changes
Increased federal budget for farmers: Increase in crop insurance and other items
Full deduction for depreciation and other business opportunities like research and development
Understanding your institution’s responsibilities under the Uniform Unclaimed Property Act
Defining key terms of dormancy, unclaimed property, abandoned property and escheatment.
Obtaining filing information from your state
Documenting communication efforts with dormant accountholders
Managing your dormant/unclaimed funds compliance program to avoid or prepare for a state audit
Reviewing fines and penalties for non-compliance
The scope of Section 1071 and its impact on your institution
How the lawsuits have impacted implementation
Actionable steps for implementing the new rules as efficiently as possible within your institution
The required data fields and find out how to begin collecting them
How to identify additional resources that may be required to achieve compliance, including budgeting, staffing, tools & training
Strategies for what you should be doing now
How to communicate the impact of Section 1071 on the institution to the board, senior management, and commercial lending teams
How to establish a proactive plan to acclimate employees and customers to changes in the lending process
Objective: This session focuses on the manager’s role in building and leading an effective service and sales organization. Managers will learn to plan and direct the team toward an effective business development effort.. Managers learn to evaluate individual performance and build performance standards that blend with the company’s mission and vision. Key Skill Transfers/Takeaways: Plan […]
Potential BSA changes – CTR thresholds and more
BSA FAQs: anything new?
OCC and FDIC standardization of MRAsStatus of “debanking”
Fed supervisory ratings change
Regulators: “pragmatic approach” to regulation and supervision
AI: Banks should “raise their game”
District Court enjoins 1033 enforcement
CFPB withdrawal of FCRA interpretive rule, and clarifies federal preemption of state laws
State of the CFPB: staffing and funding
CFPB rescissions: nonbank registry rule, adjudication process, nonbank form contracts
Reputation risk elimination by agencies
Rescission of climate risk principles for large organizations
OCC proposes to rescind recovery guidance
The basic format of the statement of cash flows as presented by a financial institution
The definition of cash and non-cash elements in the statement of cash flows and the required disclosures
How to identify the proper classification of cash flow activities into operating, investing, and financing activities
How to reconcile the change in beginning vs. ending balances for balance sheet items common to financial institutions and where to report in the statement of cash flows
Exercises and examples for the proper classification of common activities into operating, investing, and financing activities
A sample mathematical reconciliation of cash flow activities for key financial statement line items, combined with proper reporting in the statement of cash flows
Ability to repay and qualified mortgages
Right of rescission
High-cost mortgages and HPMLs
HMDA
Intent to apply for joint credit
Flood insurance
Appraisals and evaluations
Credit score disclosures
Insurance disclosures
Military Lending Act
Overdraft programs: Anything new?
Regulation E: Who is unauthorized?
Deposit fairness: Is that a thing?
Tick, tock… almost time for FDIC digital logo rollout. Less than 30 days for FDIC-insured deposit institutions.
Update on beneficial ownership
Regulation CC new numbers for 2026
IRA law changes
2024 third-party risk management (TPRM) guidance from the agencies – what to expect and what this tells us about the criticality of program management
Updates, including recent guidance on risks of arrangements with third parties to deliver bank deposit products and services digitally and via other means
Managing relationships with financial technology (fintech) firms
Who at the institution should be involved in these efforts?
Role of the Board and executive management
Vendor selection process – how do we pick the right third party?
Categorization of vendors – identification of critical vendors and how to handle them
Developing and maintaining risk management policies and programs regarding third-party relationships
How this relates to AI and models – what should we be aware of?
Oversight of third-party activities – monitoring and testing
What happens when a vendor fails to meet expectations?
Contract negotiation and management – much more than just a legal requirement
Ongoing monitoring, including on-site visitation when necessary
Policies, procedures, processes, risk assessments, and training
Terminating vendor relationships – how does this work?
Vendors’ ability to comply with applicable law and regulations
Learn the latest regulatory updates and how they apply to your institution
Anticipate upcoming 2026 changes before they arrive
Are you ready for your next regulatory examination? – Discussion on items to consider and questions to ask in preparation for your next review
FIL 30-2025: Proposed revisions to Call Report forms and instructions for the December 31, 2025, reporting period
Brokered Deposits – Reporting within Schedule RC-E and recent updates to Primary Purpose Exceptions (PPE)
Loan Coding & Schedule RC-C – Common coding challenges, line-item breakdowns, and tips to improve reporting accuracy
Review Basic “business” structure: C Corporations to LLC’s
Explore the 6 Elements of Loan Structure: Loan Purpose, Sources of Repayment, Adequate Amount, Appropriate Term, Adequate Support, Framework for Monitoring
Summarize the 4 Elements of Loan Support: Collateral, Guaranties, Business Loan Agreements, Subordination Agreements
Highlight “commercial” loan documentation issues including promissory notes, security agreements, and guaranties along with the use of the BSA Loan Rating, Collateral Rating, and C&I Borrower Rating Matrixes
Discuss Loan Pricing and Monitoring Issues
Review current compliance issues: Equal Credit Opportunity Act (Reg B), Bank Secrecy Act (BSA), Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act, and UCC Article 9
Analyze comprehensive Loan Structure/Documentation/Compliance Case Study
The multitude of IRS resources available online, and where to find them (as well as how to read them)
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 rules
1098s – what amount is reportable here? How about points? What is a qualifying mortgage?
IRA reporting – 5498s and the 1099-R (including a new requirement)
Timing requirements for the various forms
Penalties for noncompliance and failure to file
Changes in reporting requirements for tax year 2021
The Foreign Account Tax Compliance Act (FATCA) – what it is and what you have to do about it
Updating your risk assessments
Proposed AML/CFT rules will change risk assessments and pillars for BSA
Update on new special measures with fentanyl
Digital currency: What’s new
OFAC record retention deadlines
Closing accounts: Steps and procedures
SAR challenges, advisories, and other news
Third-party relationships
Elder financial exploitation risks
Update on virtual currency kiosk risks
How the new FAQs reduce SAR burdens
Included Self-Paced Courses
Regulation X (Real Estate Settlement Procedures Act): Delve into the procedures and disclosures required in consumer real estate transactions.
Flood Insurance Provisions: Learn about the requirements when structures are taken as collateral for mortgage loans, including required flood insurance provisions.
Appraisal Regulations: Explore the various requirements when real estate is taken as collateral for a loan, including definitions, selection criteria, and program requirements.
SAFE Act (Secure and Fair Enforcement for Mortgage Licensing Act): Learn about the registration requirements of mortgage originators who are involved in the making of consumer mortgage loans.
Managing Time and Interruptions
Building Rapport with Your Manager
Using Tools that Enhance Efficiencies and Results
Making Training Stick
Giving and Receiving Effective Feedback
Enhancing Your Managerial Presence
Creating a Motivating Work Environment
The Essentials of Effective Team Relationships
The NC Chamber and the North Carolina Bankers Association proudly present the 24th Annual Economic Forecast Forum, a gathering of our state’s most influential leaders, to discuss how we can […]