8/26: Business Accounts: Who is Authorized to Open, Close, Transact?

Corporations, partnerships, LLCs – with so many business entities, it can be challenging to determine who is authorized to open, close, and transact business. Who is authorized to handle accounts on behalf of the business? What types of documentation will you need to show proper authority? What are the pitfalls of using consumer agreements and disclosures instead of business account agreements, signature cards, and disclosures? How are businesses qualified for membership in the credit union? This webinar explores all of these issues and more.


  • Differences between types of business entities
  • Paperwork and documentation pertaining to each entity
  • Determining who has authority to transact on behalf of a business
  • Establishing eligibility requirements for the business and/or business owners
  • CIP/BSA/AML, OFAC, and other regulatory requirements for business accounts

WHO SHOULD ATTEND? This informative session is designed for new accounts staff, tellers, account service representatives, business account representatives, branch supervisors, and anyone involved in soliciting business accounts.

Presented by Mary-Lou Heighes, Compliance Plus, Inc.

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8/21: Home Equity/Second Lien Risk Management

The housing crisis and the Great Recession permanently changed lending risk management expectations. Home equity and junior lien mortgages are among the portfolios receiving the most intense scrutiny and increased regulatory expectations. This webinar will cover recent regulatory guidance related to junior lien risk management practices and simple steps credit unions can take to ensure compliance. Regulatory compliance and risk management best practices will be addressed as well as underwriting, origination, account and portfolio monitoring, and considerations when implementing line management actions (capping or freezing lines), loan modifications, and ALLL analysis.


  • How the Interagency Guidance on Allowance Estimation Practices for Junior Lien Loans & Lines of Credit affects credit unions
  • Tips on ensuring an adequate ALLL methodology is in place for junior lien portfolios
  • Dos and don’ts of a line management program (capping or freezing of a borrower’s line)
  • Regulators’ expectations for monitoring the status of a borrower’s first lien mortgage
  • Best practices for underwriting, documentation, loan modifications, and product design

WHO SHOULD ATTEND? This informative session will benefit lenders, risk managers, credit analysts, and those involved with the ALLL process and determining the design or objectives of a junior lien mortgage portfolio.

Presented by Tommy Troyer, Young & Associates, Inc.

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8/20: Compliance Management & Fair Lending Training for the Board

Directors play an important role in the success of every credit union. The CFPB has issued many changes to regulations that became effective in January 2014. What does your board need to know? Can your credit union demonstrate that all the required changes have been implemented and that an effective compliance management system is in place? Can you prove that all members are treated equally under the existing and new fair lending laws? With this webinar, directors will learn about their roles and responsibilities in these areas. In addition, you can use the provided materials to satisfy the periodic training for board members. Webinar topics include:

  • NCUA Rule 701.4 for directors (general authorities and duties of federal credit union directors)
  • Best practices for effective compliance management, including succession planning and compliance oversight
  • Recent developments in fair lending issues


  • What regulators expect board members to understand about compliance management
  • What type of overview should be in place when new regulations require a board-approved policy or procedure?
  • Critical compliance training for new board members
  • Five “best practices” for making compliance reports to the board
  • What should the board understand about fair lending? How does the CFPB impact your credit union?
  • What are the risk factors in fair lending analysis and what type of reviews should be presented to the board?
  • Recent enforcement actions regarding vendor management and violations of fair lending laws

WHO SHOULD ATTEND? This informative session will be beneficial for directors, Supervisory Committee members, volunteers-in-training and other volunteers, CEOs, managers, auditors, compliance officers, and senior management.

Presented by Susan Constonis, Compliance Consulting and Training for Financial Institutions

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8/19: Consumer Collection Compliance Under the CFPB, UDAAP, FDCPA, FACTA & More

Collection compliance issues have increased. Although every credit union knows it is unlawful to engage in unfair, deceptive, or abusive acts or practices (UDAAP), what constitutes a UDAAP violation is often unclear. In 2013, the CFPB issued a guidance intended to clarify UDAAP violations related to collection of consumer debts. This guidance has expanded the coverage of the Fair Debt Collection Practices Act (FDCPA) to credit unions collecting their own debt. Previously, a creditor collecting its own debt was exempt from the FDCPA rules. The guidance basically imposes the FDCPA rules on creditors and suggests that not following these rules will constitute a UDAAP violation.

The Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transactions Act (FACTA) require credit unions to ensure the accuracy of information furnished to consumer reporting agencies and to notify consumers how slow payments will affect their credit scores. The regulators are now claiming that some creditors are going well beyond the FCRA and FACTA requirements, resulting in a UDAAP violation. This webinar will explain proper consumer collection procedures and proper reporting to consumer credit agencies.


  • Applicable standards for what constitutes UDAAP
  • Ten examples of collection activity that regulators will be watching closely
  • Summary of the FDCPA rules
  • Examples of FDCPA violations in the collection process
  • Summary of the FCRA and FACTA rules
  • Proper reporting to consumer credit agencies
  • Examples of how creditors have gone “too far” in the collection process
  • How to avoid these problems?

WHO SHOULD ATTEND? This informative session is designed for consumer loan officers at all levels, loan operations personnel, credit administration staff, collectors, compliance officers, attorneys, managers, and others involved in the collection process.

Presented by Elizabeth Fast, Spencer Fane Britt & Browne LLP

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8/13: Red Flags for ID Theft, Bribery & Privacy

Red flags for identity theft, the Bribery Act, and the Privacy Act mandate regular training for everyone at the financial institution. Since employees are responsible for watching for identity theft, it’s important to have training on the various ways “red flags” manifest. The Bribery Act contains guidance for acceptable and professional behavior. The Privacy Act contains specifics regarding ensuring protection of consumer information. This webinar will cover these three areas in order to fulfill the federal training requirements and will arm your staff with the information needed to ensure proper procedures are followed. The materials will include training tools and useful resources to monitor and effectively manage compliance.


  • Red flags for identity theft:
  • What should different departments know?
  • Indications that a member’s identity may have been compromised
  • Bribery Act sample policy language (a code of conduct) to ensure solid policy
  • Sample privacy policy language
  • Handouts will be in Word, so sample policy language can be easily altered to develop or strengthen your current policy

WHO SHOULD ATTEND? This informative session is designed for all employees, including compliance officers and auditors.

Presented by Ann Brode-Harner, Brode Consulting Services, Inc.

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8/12: Regulatory Implications of FFIEC Authentication Guidance

Examiners have authored more IT guidance in the past year than in the previous three years combined! Credit unions are adopting new technology to meet evolving member service needs and to leverage automation for increased efficiencies. Remote deposit capture, online banking, mobile banking, and social media are just a few examples of new technologies used to serve members. If your credit union chooses to adopt such technologies, you need to implement controls to ensure the security and stability of these service delivery channels. The FFIEC Authentication Supplement provides a foundation for good security and a successful IT examination. Additional pieces of guidance from the FFIEC and/or NCUA that augment the Supplement include:

  • Corporate Account Takeover (CATO) Regulation
  • ATM Regulation
  • DDoS Regulation
  • Social Media Regulation

Achieving a successful IT examination is becoming a tremendous challenge as regulators scrutinize IT at credit unions around the country. Unfortunately, several data breaches have put cyber security back on the examiners’ radar. A sufficient cyber security program is a “must have” for protecting important consumer/financial information and navigating a successful IT examination. This webinar will address this topic head on. It will describe the regulation examiners are highlighting and will outline the requirements for protecting your credit union against a data breach and achieving a successful IT exam.


  • Recent security breaches in the financial sector, including vendors commonly used by financial institutions
  • Review the IT regulation introduced in the past twelve months to understand the requirements of the FFIEC Authentication Supplement
  • Understand how the FFIEC Authentication Supplement can be used to support your cyber security program
  • Best practices for a successful IT exam and IT regulatory compliance

WHO SHOULD ATTEND? This informative session is best suited for information security officers, chief operation officers, CEOs, chief risk officers, chief information officers, chief auditors, chief compliance officers, board members, IT personnel, and internal auditors.

Presented by Dr. Kevin Streff, Secure Banking Solutions

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8/7: Managing for Ultimate Performance: The 6 Building Blocks for Success

The key to a successful organization is to consistently perform at peak levels, in all roles, regardless of economic or other circumstances. Is your staff highly motivated and engaged, with each other, and with members? Do members and staff feel valued and a sense of belonging? As a leader, how do you personally demonstrate your expectations and commitments? This session will provide tools to effectively manage the three key components to ultimate performance: measurement, optimization, and accountability.


  • Three components of ultimate performance and how to effectively and consistently manage the outcome
  • Your culture – four types of employees and members and how to influence their efforts and choices
  • Leadership success is based on your ability to achieve “buy-in” – learn four key factors that will influence and enhance your personal style
  • Six building blocks to maximize results

WHO SHOULD ATTEND? This informative session is designed for emerging leaders, supervisors, and managers.

Presented by Tim Tivis, Pinnacle Training Group

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8/6: Wire Transfer Compliance

Wire transfers are very high risk in terms of fraud, money laundering, and other unlawful activities. Regardless of your institution’s size, compliance with wire transfer regulations is required. Both compliance and safety and soundness examiners are scrutinizing policies, procedures, and forms to ensure the risk is ultimately mitigated.

This webinar will cover the regulatory requirements and how to identify and react to potential wire fraud attempts. Since policies and procedures are key to successfully handling compliance and risk, the webinar manual will be structured as a policy/procedure template so you can compare it to your existing policy and update as necessary.

Sample policies/procedures will include:

  • Requirements on incoming and outgoing wires, both domestic and international
  • Bank Secrecy Act requirements for wires and recordkeeping
  • Identification and authentication requirements (including “call backs”)
  • OFAC screening
  • USA PATRIOT Act 314(a) requirements
  • Regulation J (Subpart B) regarding wire transfers
  • UCC-4A and wire transfers
  • Additional miscellaneous issues and requirements
  • And much more

WHO SHOULD ATTEND? This informative session is designed for BSA officers, compliance officers, internal auditors, and wire transfer staff.

Presented by Ann Brode-Harner,  Brode Consulting Services, Inc.

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8/5: Federal Government ACH Payments: Reclamations & Garnishments

With few exceptions, federal government ACH payments are subject to the same rules as private industry ACH payments. Mishandling these payments can impact your institution and lead to financial losses. This session will explain your responsibilities regarding processing federal government reclamations, including steps to limit liability. It will also review the final rule related to the Garnishment of Accounts Containing Federal Benefit Payments, detail which payments are exempt from garnishments, and outline associated financial institution responsibilities.


  • Interpret Chapter 5 – Reclamations of the Green Book to assess financial institution liability
  • Steps to limit liability and avoid potential reclamation losses
  • Calculate liability related to federal government reclamations
  • Federal benefit payments exempt from garnishment
  • Procedures that must be followed when receiving a garnishment order

WHO SHOULD ATTEND? This informative session is designed for ACH professionals, audit/compliance personnel, and ACH operations staff.

Presented by Shelly Simpson

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