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  • Understanding & Using the Medallion Signature Guarantee Accurately

    Explain the basic laws governing the medallion signature guarantee programsDetermine when to utilize the medallion signature guarantee stamp
    Recognize potential conflicts of interest
    Understand the warranties represented by the stamp and the potential liability your institution faces if these are breached
    Identify best practices to mitigate risk to you and your institution
    Distinguish between signature guarantees, medallion signature guarantees, and notaries

  • Introduction to Consumer Lending

    Learn about the basics of consumer lendingExplore marketing consumer loans
    Gain an understanding of how institutions make consumer lending decisions based on the five C’s of credit
    Review the basics of consumer loan structure, support, documentation, and compliance with an auto loan, RV loan, and HELOC as examples
    Apply consumer lending through “case studies”

  • CRE Appraisals: Regulations and the Review Process

    Overview of guidelines and issues critical to CRE appraisalsThe five minimum standards and what they really mean
    Types of reviews, as suggested by the guidelines
    Administrative/compliance review, plus a sample checklist
    Technical/internal review, plus a sample checklist
    Outside/third-party review, plus sample comments
    Ideas for setting dollar limits
    Ideas for screening for Uniform Standards of Appraisal Practice (USPAP) as of Jan. 1, 2020
    Appraisal review outcomes and when to request revisions

  • Credit Push Fraud Compliance: Navigating the Latest ACH, RTP, and FedNow® Rule Changes and Requirements (1.8 AAP Credits)

    The mechanics of credit push fraud: How fraudsters exploit weaknesses in electronic payment systemsACH Rule Updates: New requirements designed to mitigate fraud risks, including their impact on your operations.
    RTP Rules and Compliance: Specific guidelines and best practices to protect against fraud in real-time payments
    FedNow Fraud Prevention: Explore the built-in security features and rule requirements aimed at safeguarding instant payments
    Practical Strategies: Implementing effective fraud detection and prevention measures across your payment systems

  • Alert! Proposed BSA/AML Program Rule Changes

    Statement on the Purpose of an AML/CFT Program RequirementInserting the Term “CFT” Into the Program Rules
    Defining “AML/CFT Priorities”
    “Effective, Risk-Based, and Reasonably Designed” AML/CFT Program Requirements
    Risk Assessment Process
    Identifying and Evaluating ML/TF and Other Illicit Finance Activity Risks
    Review of Reports Filed Pursuant to 31 CFR Chapter X
    Other Components of an Effective, Risk-Based, and Reasonably Designed AML/CFT Program

  • 2025 Deposit Regulatory Update: All-Day Streaming (7 CRCM Credits)

    Reopening closed accountsGiving customers information on their accounts promptly
    Recurring overdraft fees
    Authorize positive settle negative on debit cards and overdrafts
    Regulation E: Stop payments, error investigation, and resolution
    Transfers from savings on overdrafts
    Regulation DD on product changes
    Deposit Disclosures: What ownership types get what?
    FDIC digital logo changes effective May 1
    Update on beneficial ownership
    Old practices – affidavits of loss on CDs
    Handling POAs, estates, and trusts

  • Bank Accounting: Boot Camp on the Basics – 5 Part Series

    An overview of the Accounting Standards Codification (ASC) and the concept of Generally Accepted Accounting Principles in the United States (U.S. GAAP) and the role of the Financial Accounting Standards Board (FASB)Examples and exercises to illustrate accounting transactions for major asset, liability, equity, income, and expense items will play a significant role in the learning experience
    Discussions related to basic and important internal controls with description of why controls are important to the overall accounting and financial reporting process of the institution
    The basic concept of consolidation accounting with sample eliminating entries will be provided
    Take-away accounting exercises will be provided to participants after each session
    The presentation materials and the extensive exhibit take-aways provide a future reference source to all participants on the accounting topics covered

  • Health Savings Accounts: Financial Institution vs. Customer Responsibility

    What are the HSA contribution limits for 2025?
    How are employer and employee contributions reported?
    What do we do if a customer contributes too much to an HSA?
    How do we replace funds for overpayment due to a medical procedure?
    What happens to the HSA when the owner dies?
    How do we handle online transfers between HSA and non-HSA accounts?
    What happens if an HSA account is overdrawn?

  • Branch Manager Bootcamp: Leading Service Excellence

    Objective:This session focuses on the relationship building process to identify how to gain the trust of your client, gain a larger share of wallet, and present solutions that solve your clients’ needs. Key Skill Transfers/Takeaways: Mastering pre-call planning. Learning to call virtually or in-person on the right (most profitable) clients and prospects. Building relationships with […]

  • 2025 BSA Officer and Staff Update: All-Day Streaming (7 CRCM Credits)

    Proposed AML/CFT Program ChangesBeneficial Ownership Update
    SAR Decision-Making
    Writing a Good SAR Narrative
    Customer Identification Program and Customer Due Diligence
    High-Risk Customers and the Questionnaire
    314a and 314b
    Record Keeping – funds transfers and monetary instruments

  • The Right of Setoff: What Institutions Need to Know

    The legal requirements to create a right of setoff
    The difference between a contractual right of setoff and a statutory right of setoff
    The differences between setoff, garnishment, and foreclosure of security interest, and why these terms are frequently misused
    What happens when a third party is competing with your financial institution’s right of setoff
    How the automatic stay in bankruptcy affects the right of setoff

  • How to Craft an Effective Commercial Loan Write-Up

    Review effective commercial loan write-upsDiscuss types, styles, and components parts
    Cover the financial analysis section
    Assess the company’s strategic plan and management’s strengths/ weaknesses
    Analyze the risk assessment and mitigation section as a summary of the loan presentation
    Summarize the concepts by reviewing three loan write-ups

  • Bank Accounting: Boot Camp on the Basics – 5 Part Series

    An overview of the Accounting Standards Codification (ASC) and the concept of Generally Accepted Accounting Principles in the United States (U.S. GAAP) and the role of the Financial Accounting Standards Board (FASB)Examples and exercises to illustrate accounting transactions for major asset, liability, equity, income, and expense items will play a significant role in the learning experience
    Discussions related to basic and important internal controls with description of why controls are important to the overall accounting and financial reporting process of the institution
    The basic concept of consolidation accounting with sample eliminating entries will be provided
    Take-away accounting exercises will be provided to participants after each session
    The presentation materials and the extensive exhibit take-aways provide a future reference source to all participants on the accounting topics covered

  • Writing Procedures for Personal and Business Accounts: CIP/CDD, Risk, TIN Reporting

    Review federal laws we have to cover in the opening of accountsLearn the different ownership types that we should set up sample signature cards and screenshots for
    You will receive a checklist for documents for every type of business and nonprofit accounts
    How to set up a manual like this if you are in more than one state
    What questions should we ask and research for state law purposes
    You will receive a template to start the hard work and lots of guidance to help you in the process

  • What to Do When a Customer Dies

    Documents required upon the death of an individual
    Actions to be taken on deposit accounts owned by the decedent
    How to deal with the decedent’s estate or lack thereof
    How to handle death as a default on a loan
    Mortgage servicing rules that impact consumer mortgage loans after death
    What to know about doing business with the borrower’s estate

  • Active Listening Unlocked: A Leadership Workshop (1.5 SHRM-CP Credits)

    Analyze your listening skills and identify areas of strength and areas for improvementExamine the five key principles of active listening
    Gain skills in reading and interpreting body language to identify nonverbal cues
    Develop the ability to stop interrupting and refrain from making premature judgments
    Explore the “magic skill” of validation and how it elevates trust in a relationship

  • Dealing with Appraisals and Valuations: Regulations and Requirements, including Recent Developments – Part 1 (2 Part Series) (5 CRCM Credits)

    What is an appraisal? What is an evaluation? What is the difference?
    What are the requirements of an appraisal? What does it look like?
    When must we get what? Exemptions, threshold amounts, and evaluations (including when you don’t need anything at all)
    Selecting the appraiser: Who does this? Who can do it?
    Board of Director responsibilities and the approved appraiser list
    Appraiser selection criteria – licensed vs. certified
    Independence of the appraisal function
    Readdressed and transferred appraisals

  • Call Report Loan Activities and Lending Schedules – Part 1 (2 Part Series) (4 CPE Credits)

    RC: How to report your loan portfolioRI: Properly reporting loan income
    RC-C: Loan classifications and type codes
    RC-C: Memoranda: Reporting modified loans
    RC-K: Reporting average balances of loans
    RC-L: Reporting unused commitments and letters of credit
    RC-M: Reporting insider loans
    RC-N: Reporting past due loans, non-accrual loans, and modified loans
    RI-B: Charge-offs, recoveries, and changes in the ACL
    RI-C: Reporting the ACL

  • 2025 BSA & AML Update Seminar w/ Patti Joyner

    PROGRAM INFORMATION Patti Joyner is returning to lead our compliance experts through the various updates in BSA and AML. Expand your sta?’s understanding and expertise in some of the most critical skills they will ever possess – skills that can protect your profits in these very challenging times of tight margins and sustained high expectations! Exam […]