8/28: Putting the “Credit” Back into Credit Unions        ** 90 Minutes**

In the past three years, credit unions have become ‘savings institutions’. Loan portfolios have slackened, deposits have flowed in at sometimes breakneck speed and many borrowers have seen their credit scores decline reducing their ‘traditional’ creditworthiness. Credit union staff members have been so busy taking deposits, collecting loans, handling back office duties and meeting regulatory requirements that they may have taken their eye off the ball. Credit unions have been the traditional place where the common person can get a fair deal. During poor economic times, credit unions have been a place for borrowers to turn to get help. That’s what we were created for in the first place. How can we get back to that state of mind where “we are here to help people and make loans!”

This session will discuss the mind-set and practices needed to become a ‘Credit’ union once again and make lending your entire reason for existence. We will look at concepts, steps to products that might get you ‘back in the game’ when it comes to lending. Maybe you can make a difference…to your members, to your field of membership and to your community when they all need you the most.

Speaker: Tim Harrington has worked with credit unions in 48 states, two territories, Canada, and Mexico. His progressive idea and broad knowledge of credit unions has made Tim a valuable resource for credit unions nationwide. Tim has spoken to tens of thousands of credit union volunteers and staff and continues to inspire them to improve their credit unions

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8/26: UDAAP Trends

“UDAAP” could become the most significant term ever to affect credit union compliance. That sounds pretty bold, but consider that the CFPB has been given an almost-unlimited mandate under Dodd-Frank to “take any action…to prevent a covered person or service provider from committing or engaging in an Unfair, Deceptive, or Abusive Act or Practice under Federal law in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service.”

Although the UDAAP standard seems new, we’ve actually been familiar with “UDAP” (just one ‘A’) for quite some time. That extra ‘A’, for ‘Abusive’, adds a new standard, however, and the CFPB is already active with enforcement actions (3 and counting so far).

What does all this mean to credit unions and the industry? At the very minimum, it means you must be familiar with what this new standard means for compliance and the risk management process. The rules of the game have changed, and technical compliance is no longer the only issue.

It means understanding what examiners are likely to focus on, including areas where a clear rule or regulation might not even apply. It’s a cultural shift in the regulatory function, and in this webinar we’ll discuss the meaning of UDAAP and how it will impact your credit union.

Covered Topics:

  • UDAP vs. UDAAP: what does the introduction of “abusive” really do?
  • This isn’t only a CFPB issues – it will affect ALL credit unions, regardless of regulator
  • “Abusive” standards: how will this be enforced?
  • Scope of UDAAP: products, services, delivery channels and methods
  • UDAAP examples: where should your focus be?
  • Emphasis on sales and marketing practices, and product management
  • Cultural change brought by UDAAP
  • What are the agencies looking for?
  • Areas where you wouldn’t even think to look
  • How to prepare your UDAAP program
  • What are the regulatory expectations? Evaluations, risk assessments, more?
  • · Going beyond the program: changing the focus of your organization

Speaker: Carl Pry, a Senior Director of Treliant Risk Advisors, is a seasoned executive with banking law, corporate finance, and regulatory compliance experience in Fortune 500 institutions, regional banks and industry consulting firms. Carl advises clients on commercial compliance, fair lending, corporate treasury and risk management.

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8/19: ALM – 11 Key Ratios You Should Know      **Two Hours**

Asset/Liability Management ratios can be complex and overwhelming yet credit unions need ratios to analyze the past and make decisions for the future. The numerous software packages available provide a variety of ratios and produce stacks of reports and the results may be overwhelming. Your credit union’s decision makers need concise information to make sound decisions. This session begins with the goals of asset/liability management. It identifies the eleven primary ratios that ultimately determine the credit union’s CAMEL score, including the 4 primary ratios highlighted in NCUA Letter 03-CU-04. Each ratio includes a definition, a formula for calculating the ratio, the desired outcome, and the impact factors of each. This enables participants to analyze performance on a monthly basis and adjust strategies as needed.

New credit union staff and volunteers will benefit from this overview; seasoned professionals will appreciate a refresher in these challenging economic times.

Speaker: Debbie Rightmire is Vice President of Asset/Liability Management for the Cornerstone Credit Union League. She manages the operations of ALM Resources and delivers semi-annual ALM analysis and consulting services to credit unions across the U.S. representing over 100 billion in combined assets. Debbie serves as a speaker for CUNA and Leagues across the nation. She conducts presentations emphasizing financial statement and ratio analysis, policy formulation, liquidity analysis, and investment due diligence.

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8/14: Facing the Tough Employee Stuff

Want solutions and suggestions on how to coach and manage your tellers? Are you ready to address issues that come with managing the teller line? You will learn to address tough stuff such as operational losses, gossip, whining, turnover you wish you didn’t have, turnover you need to have, disrespectful behaviors, laziness, texting, poor grooming, in-fighting on the team and plenty more. This program is about how to address, manage, coach and minimize the tough stuff that comes with the teller line.

The agenda for this program includes coaching, confronting and counseling your tellers on how to build an individualized plan that reinforces positive performance and corrects poor performance. You will learn the importance of documenting coaching and follow through.


Here is a partial list of the tough stuff you will learn how to face!

  • Operational losses and outages
  • Turnover headaches
  • Training challenges
  • Poor adherence to procedures
  • Errors and carelessness in handling transactions
  • Inattentive or rude to members
  • Ignores authority
  • The “waiting to retire” teller
  • Resistance to change
  • Poor grooming, body odor, too much cologne
  • Dress code issues
  • Complaining about salary
  • Trouble makers
  • Gossipers
  • Immaturity
  • Disrespectful or spiteful behavior
  • Clock watchers

Speaker: Honey Shelton brings the best of both worlds to her speaking and training engagements. She has 25 years of experience as a training and quality improvement consultant for banks and credit unions across the country. Her extensive banking background includes spending three years as Executive Vice President/Chief Retail Banking Officer with First Victoria National Bank.

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8/12: Power of the Mortgage Market

This Quickbite will cover ideas for credit unions to gain market share in Purchase Money Home Loans. We will discuss marketing tips and campaigns, the importance of the loan officer’s role and how it is different than in a refinance market, and cover ideas for gaining realtor referrals.

Speaker: Wallace Jones has over 25 years in the mortgage business working as a mortgage loan officer, a construction loan officer, an appraiser for residential mortgages, and serving as a branch manager. Wallace joined CU Members Mortgage as a loan officer in March of 1996 and became National Training Manager in 2002, a position he currently holds. In addition to overseeing the training department he also oversees internet origination platforms for both the Direct and Correspondent Divisions of CU Members Mortgage. He has written several articles for Credit Union periodicals and is often asked to speak at CUREN and credit union league functions.

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8/7: Website Compliance

In today’s online era, every credit union needs a robust website to tell their credit union’s story and to deliver products and services directly to members in the comfort of their own homes and/or offices. While many credit unions understand that disclosures must be provided on their websites to stay in compliance, the law in this area is complex and new lawsuits brought by disability rights advocates makes this an area that can be fraught with legal risk. In this presentation, we’ll discuss the advertising rules and regulations that apply to credit union websites, the requirements that apply when “linking” your website to third party vendor’s sites, privacy policies that comply with the Children’s Online Privacy Protection Act, and how to create an ADA-compliant website. We’ll also discuss the most common compliance violations and how to avoid them.

Speaker: Dan Loritz received his Bachelor of Arts degree in Business Economics and graduated with honors from the University of California at Los Angeles (UCLA). He graduated from Loyola Law School as a Dean’s Scholar. Dan is a frequent speaker at Credit Union industry events concerning legal and compliance topics and is the author of numerous publications.

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8/5: Safe Deposit Box Policies and Procedures

Safe Deposit is an area of service that is misunderstood many times because there are so many issues that have to be considered. This program will help anyone who works in Safe Deposit to have a better understanding of what is expected in order to operate a sound department.

1. Essentials of the Contract and how they affect operation

  • What should be contained in a contract?
  • How does it affect your operation?
  • What are the legalities?

2. Compliance when accessing a safe deposit box

  • Who can have access?
  • When can access be granted?
  • Legal issues in granting access

Speaker: Joyce McLin is the former Executive Director of The American Safe Deposit Association, a position she held for 22 years. TASDA was an international educational association for safe deposit. Prior to holding this position, Ms. McLin was in the banking industry for 15 years.

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