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  • 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

  • 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?

  • 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

  • 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

  • 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

  • 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

  • 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

  • Call Report Loan Activities and Lending Schedules – Part 2 (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

  • CRE Appraisals: Components, Approaches to Value & Cap Rates

    Types of appraisals by formatWhat to look for within the assumptions and limiting conditions
    Property ownership interests clarified (fee simple, leased fee, etc.)
    Highest and best use of the property
    Approaches to value
    Cost approach and information useful in the underwriting and loan structuring process
    Income approach options of discounted cash flow (DCF) and direct capitalization

  • Security Awareness Training: Best Practices for Keeping Your Employees Engaged

    Cyber Threat’s New NormalPeople, Process, and Technology – which is the weakest link?
    Compliance-based vs. Proactive Security Awareness Training
    Building an Effective Security Awareness Training Program (for all areas of your organization)
    Topical Training Ideas
    Why Accountability Matters Most

  • Deposit Operations: First Quarter Update

    Who is liable to whom on checks? Altered, forged, and fraudulent itemsRule 9
    Regulation CC Inflation Changes
    FDIC Logo, Advertising, and Digital Changes
    Regulation E Unauthorized Transactions, Stop Payments, and Reopening Closed Accounts
    IRA Update: Domestic Abuse, Emergency Savings, Terminal Illness exceptions and repayments
    Nonresident Alien Interest Reporting
    Overdrafts and Junk Fees

  • Converting Accrual Financial Statements Into Cash Flow

    Obtain a good understanding of how to convert an accrual basis financial statement into cash flowKnow how to interpret and explain cash flow analysis to determine the debt repayment capability of the entity
    Know the types of companies prone to utilize cash basis financial statements and why
    Be able to compare various methods to calculate cash flow including the Uniform Cash Analysis (UCA) Method, EBITDA, and Traditional Methodologies, and their advantages/disadvantages
    Know the rules of cash flow required to perform the conversion from accrual to cash
    Be exposed to the Fast Cash Analysis method which can get you to the same results in less time

  • Opening New Accounts – Part 1 (3 Part Series)

    6-Step Account Opening ProcessTIN Compliance
    Personal Account Ownership Overview
    Personal/Consumer Account Difficult Scenarios
    Opening Accounts for Minors – UTMA
    Who Can Access An Account During Lifetime And At Death

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

    Utilizing existing appraisals: Criteria for acceptance
    Appraisal Management Company (AMC) requirements
    Reg. Z valuation rules: When are they applicable?
    Avoiding coercion and undue influence of appraisers
    Reg. Z’s “flipping” rule: Obtaining a second appraisal
    Reg. B rules: Disclosure and copies
    Appraisal bias: What to look for
    The Property Appraisal and Valuation Equity (PAVE) taskforce: Recommendations and future changes