10/30: Decision Roadmap for the New TILA/RESPA Integrated Disclosure Forms

The new integrated disclosures (the loan estimate, a combination of the early TIL and GFE – and the closing disclosure, a combination of the final TIL and HUD) will be effective August 1, 2015. While the new forms are a vast improvement, they also carry hazards for the credit union, member, and real estate market.

This webinar will start with a brief overview of the new forms. It will then address the impact that the form requirements will have on your day-to-day operations, management, members, and the public. This presentation will provide a list of issues that must be addressed and provide a decision roadmap for implementing these new documents.


  • The loan estimate
  • The closing disclosure
  • The impact on your financial institution, members, and real estate market

WHO SHOULD ATTEND? This informative session is designed for senior management, senior lenders, and all staff directly involved in consumer mortgage lending.

Presented by Bill Elliott, CRCM, Young & Associates, Inc.

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10/29: Social Media Update: Facebook, LinkedIn, Twitter & YouTube

When it comes to social media, change is constant. Just when you think you’ve got a strategy in place and have it all figured out, the platforms change layout or add/remove features, engagement rates fall and fewer people are seeing your updates, consumer preferences shift, etc. If your credit union has committed to a social media strategy, you can’t just give up when things change. Keeping up with these changes – and the evolving financial industry – can be challenging.

Led by a former community banker turned digital marketer, this webinar will cover some of the major changes that have taken place on the most popular social networks. Join us to ensure you’re getting the most out of social media.


  • Review the four major social media platforms (Facebook, LinkedIn, Twitter, and YouTube) and the changes that could impact your institution;
  • Ways to enhance engagement rates to help ensure your content is being seen and making an impact on your overall brand awareness and reputation-enhancement strategy (creativity vs. paying for visibility);
  • Understand some of the networks’ key measurement tools to help gauge your success and identify what’s working and what you should consider changing;
  • How social media can complement your overall web presence optimization efforts to increase the odds that you’re found when people search online for services you provide;
  • When is the right time to empower others in your institution to participate and have a voice in social media (yes, that means during work hours); and
  •  Essential tools you should consider having in your social media toolbox for monitoring, posting , and measurement.

WHO SHOULD ATTEND? This informative session will provide a high-level, strategic overview of the various popular social media channels and actual tactics for implementation and success. Senior management, compliance, retail, marketing, and lending staff will gain a better understanding of how to get the most out of the various social platforms.

Presented by Eric Cook, WSI Internet Consulting

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10/28: How to Reduce IT Risk Assessment Time by 70% & Still Satisfy Examiners & Your Board

Risk assessment audits don’t have to be time- and resource-consuming ordeals. This webinar will show you how to simplify and reduce your IT risk assessment time by at least 70%, while still satisfying the examiners and your board.

Join us to learn the following and more:

  • What an IT risk assessment really is and what the different types of assessments and audits contain;
  • The formulas for different audits and how to quickly and easily build any audit packet starting from a common base;
  • A standard method for storing and sharing audit documents, making it easier for staff to find what they need;
  • How you can reduce the time spent on the front end of the audit by using remote delivery so your external auditors can begin as soon as they arrive; and 
  • Why it is better to have just one company perform all of your IT audit needs.


  • Varying levels of audits;
  • Organizing information in a meaningful manner;
  • Optimizing information delivery;
  • Remote collection of data; and 
  • Comprehensible reporting.

WHO SHOULD ATTEND? This informative session is designed for chief risk officers, internal auditors, chief information officers, chief security officers, and CEOs.

Presented by Brad Smith, Abound Resources

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 10/23: GFE & HUD-1 Now: Dealing With Current Forms, Current Challenges & Regulator Hot Buttons

The Consumer Financial Protection Bureau (CFPB) has released the Integrated Disclosures, effective August 1, 2015. While everyone is waiting for the forms to be available and the start date to arrive, financial institutions must still live with the current Good Faith Estimate (GFE) and HUD-1 disclosures. What was expected to be a short-term situation regarding the current forms has turned into a lengthy delay, and the industry will have to struggle with the existing forms well into 2015. This webinar is designed to address the current issues that continue to challenge all of us.


  • Rules for the current forms;
  • Hot button regulator issues regarding the GFE and HUD-1;
  • Results of reviews and common issues;
  • Form areas that pose the biggest risks for reimbursements;
  • Review techniques that will be effective for the current forms; and  
  • The manual will include extensive questions and answers and other communication that has been written regarding the current forms.

WHO SHOULD ATTEND? This informative session would best suit consumer real estate lenders, loan processors, auditors, senior lenders, underwriters, and others who participate in the consumer real estate function.

Presented by Bill Elliott, CRCM, Young & Associates, Inc.

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 10/22: Safe Deposit Boxes: Compliance, Legal Issues, Delinquencies & Death

Safe deposit boxes are an important service provided by the credit union. They are a source of additional revenue and a way to enhance member relationships. However, safe deposit box operations are unique and sometimes mysterious. The improper handling of a safe deposit box can result in unforeseen liability of tremendous proportions. This webinar will cover everything from the initial agreement, to drilling, to escheatment of box contents to the State. All the common problems associated with safe deposit boxes will be specifically addressed.


  • Your credit union’s obligations and responsibilities for safe deposit boxes;
  • Proper procedures to grant access to a safe deposit box;
  • What to do when the rent is delinquent on a safe deposit box;
  • What to do when the sole owner or one joint owner dies;
  • Drilling procedures; and
  • Avoiding common mistakes.

WHO SHOULD ATTEND? This informative session is designed for staff involved with safe deposit boxes, including officers, member service representatives, operations personnel, compliance officers, attorneys, and managers.

Presented by Elizabeth Fast, JD, CPA, Spencer Fane Britt & Browne LLP

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10/21: Turning Financial Statements into Useful Ratios & Trends

Whether you are the head of lending, technology, or operations, you need to fully understand the bigger picture of the credit union. This session will help you fully comprehend the critical financial information. You will learn that although the balance sheet and the income statement are useful, they are just the raw materials. The real value lies in key ratios and the trends in those ratios. After this webinar, you will know how to take information from the financial statements, calculate the formulas, and develop an essential dashboard of key ratios. More importantly, you will know what they mean, what changes in those ratios indicate, and how to use them strategically and tactically as your credit union moves forward.


  • Capital: what it is, where it comes from, why it’s important, and how much you need;
  • ROA tools – using spread analysis to analyze problems or recognize strengths;
  • Understanding and using the efficiency ratio o Why it’s better than the operating expense to income ratio;
  • How to make sense of trends in key ratios;
  • Fathoming the allowance for loan losses; and 
  • Monitoring asset quality with more timely tools than delinquency and charge-offs .

WHO SHOULD ATTEND? This informative session is designed for branch managers, department heads, supervisors, vice presidents, and anyone who wants to improve their financial skills. It is also recommended for CEOs and managers looking for new ways to understand their financials or teach financial information to staff. Supervisory Committee and board members will also benefit.

Presented by Tim Harrington, CPA, TEAM Resources

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10/16: Recent Accounting Developments & Future Issues

A number of accounting updates continue to affect the credit union industry. This webinar will cover the latest accounting and financial reporting matters impacting credit unions, including the accounting for the allowance for loan losses, other real estate owned, and nonaccrual loans. In addition, with the increase in merger and acquisition activity, a portion of the webinar will cover the related purchase accounting complexities. Finally, this program will look ahead at what FASB is currently working on, including the new expected loan loss reserve model and changes to accounting for leases.


  • The latest updates on the FASB model known as Current Expected Credit Losses (CECL) which will require credit unions to forecast losses on loans and set aside appropriate reserves;
  • Proposed changes to the accounting for leases as they will apply to a lessee and lessor;
  • Purchase accounting as it relates to mergers and acquisitions;
  • The updated COSO framework;
  • Current accounting issues with other real estate and nonaccrual loans; and
  • The Private Company Council and its impact on credit unions.

WHO SHOULD ATTEND? This informative session is beneficial for CFOs, controllers, financial analysts, loan officers, and accounting staff.

Presented by Gary Smith & Al Nolte, Eide Bailly LLP

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10/14: Regulatory Compliance for Deposit Operations, Including BSA

From the Truth in Savings Act (TISA) to electronic funds transfers (Reg E) to the Bank Secrecy Act (BSA), the laws and regulations governing deposit operations affect your daily working environment. Providing disclosures and statements are just the tip of the iceberg. Reg E error resolution claims continue to be one of the hottest areas of consumer complaints to regulators. Knowing your rights and responsibilities regarding checks and other issues covered by the UCC can save your financial institution from potential losses. This webinar will provide an overview of TISA and Reg E requirements, the BSA recordkeeping and reporting requirements, check holds (Reg CC), the laws of checks (UCC), and limitations on transfers from non-transaction accounts (Reg D).


  • How long do you have to investigate a Reg E claim and when must you provide provisional credit?
  • Who can negotiate checks payable in a fiduciary capacity such as to a trustee or executor?
  • What are the maximum timeframes for holds on checks and other deposits?
  • Why are stop payments not advisable on cashier’s and teller’s checks?
  • Which transactions count towards the six-per-month limit under Regulation D? and
  • What BSA and anti-money laundering provisions are most likely to affect deposit operations?

WHO SHOULD ATTEND? This informative session is directed to frontline personnel and all staff who handle Reg E claims, check collections, processing, and returned items. Branch managers and operations staff supervisors will also benefit.

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

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10/09: Reg E for the Frontline: Compliance & Guidance for Error Resolution

The top two credit card brands issued a total of 572 million debit cards in the United States as of June 2013, and 30% of debit card transactions are less than $10. Debit card compliance can be expensive as fraud losses have become an $11 billion problem. The FBI has warned retailers to prepare for more cyber-attacks like the one that hit over 70 million Target customers during the 2013 holidays. Your credit union may issue debit cards to satisfy members’ need for convenience and to stay competitive in the growing marketplace of electronic banking. What do frontline employees need to know about handling questions and disputes for unauthorized transactions under Reg E?

Understanding the rules will help you satisfy regulators, but can also reduce losses by only paying the claims you are required to reimburse for unauthorized transactions. This webinar will review the steps required to handle disputes and inquiries and the timeframes for resolving claims for unauthorized transactions. The only way to be sure your frontline is complying with this high-profile consumer protection regulation is by providing effective training and sound procedures.

(Note: This session will not include foreign remittance transfer requirements or specific credit card chargeback rules for zero-liability compliance.)

WHO SHOULD ATTEND? This informative session is designed for compliance officers, auditors, security officers, deposit operations staff, and frontline staff involved in providing Reg E disclosures and accepting error resolution claims.

Presented by Susan Costonis, Compliance Consulting and Training for FIs

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10/08: Compliance & Legal Issues in Employee Screening: Pre-Hire & Post-Hire

Both the pre-hire and the post-hire employee screening processes are fraught with peril. The NCUA generally prohibits a credit union from employing any person who has been convicted of (or has entered into any diversion or similar program for) any crime involving dishonesty, breach of trust, or money laundering. Thus, the credit union must establish a pre-employment screening process that uncovers an applicant’s convictions to ensure that only appropriate persons are selected for employment.

In addition to being mandated by law, the pre-hire screening process can assist with hiring qualified applicants, reducing turnover, deterring fraud, and avoiding litigation. There are many legal and compliance issues, such as the Fair Credit Reporting Act’s requirement to obtain the applicant’s consent before requesting a consumer report for employment purposes. Therefore, to be effective and not violate any employee-protection laws, the credit union must establish written procedures for when employment screening should be used and for circumstances that warrant increased screening procedures based upon perceived risks. This webinar will explain the proper way to conduct pre-hire and post-hire employment screening.


  • Laws and regulations that require credit unions to conduct pre-hire and post-hire employment screening;
  • Potential legal problems when conducting employment screening;
  • Employer conduct the law permits and prohibits;
  • Common errors in the employee screening process; and
  • Permissible employer rules regarding legal drug use.

WHO SHOULD ATTEND? This informative session is designed for human resource personnel, managers, compliance officers, internal auditors, and attorneys.

Presented by Elizabeth Fast, JD, CPA, Spencer Fane Britt & Browne LLP

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10/07: 12 Fundamental Audit Steps to Strengthen Internal Controls

Internal controls. Set them up well and nobody seems to notice. Set them up poorly and bad things usually follow…often financial losses. Make them too tight, it slows down member service. Make them too loose, employees may be tempted to do bad things. The key is to find the right balance.

This webinar will provide fundamental audit steps to ensure that internal controls are appropriately strong in key areas. These are controls every credit union should be aware of and monitor – but in the busy financial services world, these controls may be overlooked, not be set up properly, or not carried out adequately. This session will look at internal controls designed to protect the credit union both from internal fraud or error and external fraud via electronic means, including controls in teller operations, the accounting office, lending and collections, member services, and other areas.


  • Who must ensure adequate internal controls exist and are working?
  • What are the best ways to protect members’ plastic cards?
  • Is there any way to protect against ATM skimming?
  • What are the best controls in cash handling and cash ordering?
  • Are there control risks in lending? What are they? How should they be limited?
  • What are the basics of internal controls over general ledger accounts?
  • How can dormant and inactive accounts be protected?
  • Are there risks in repossessed collateral?

WHO SHOULD ATTEND? This informative session is designed for anyone in operations or the audit function, including Supervisory Committee members, internal auditors, external auditors, accounting personnel, supervisory personnel, lending managers, operations managers, branch managers, and CEOs.

Presented by Tim Harrington, CPA, TEAM Resources

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10/02: Member Business Lending: Risks, Rewards, Controls & Common Mistakes

More and more credit unions are expanding their member business loan (MBL) portfolios. It can be a great way to increase membership and promote economic development in your community. It can also be an additional source of income that allows you to provide larger dividends to your members. However, some credit unions failed and many got into trouble as a result of their MBL programs during the recent economic crisis. Certainly, the downturn in the real estate markets contributed to these problems, but so did unsafe lending practices. This program will provide recommendations on how to implement, manage, and offer a profitable MBL program.


  • Lessons learned from the recent economic crisis;
  • What should be included in an effective member business loan policy?
  • Building an effective risk rating and pricing system for MBLs;
  • Why an independent loan review function is so important to maintaining a high quality MBL portfolio; and
  • Best practices for MBL lending.

WHO SHOULD ATTEND? This informative session is designed for board members, senior management, loan officers, and credit analysts.

Presented by Toby Lawrence, CPA, CliftonLarsonAllen LLP

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9/25: Data Loss Prevention: Myths, Sources, Risks & Solutions

Sensitive data exposed to misuse or loss – it’s the stuff of nightmares. When important organizational data leaks off of your system, it’s a serious problem. Loss of confidential information has caused significant reputational and legal issues for many organizations. In this webinar, you will learn the intricacies of data loss, where breaches happen, how they can hurt your institution, and how to stop them. You’ll also benefit from information about which tools help prevent data breaches and how to evaluate them.


  • Where and how breaches occur;
  • Types of attacks and tools used by criminals;
  • How a data breach can hurt your institution;
  • How to prevent data breaches; and
    • Information Security Officer toolkit includes a whitepaper and a self-assessment

WHO SHOULD ATTEND? This informative session is designed for staff with various levels of knowledge about information security and risk management.

Presented by Tom Garcia, InfoSight, Inc.

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9/24: The Role of the Board in the Examination Process

Examiners are spending more time reviewing board activities. From reviewing minutes to questioning the management team about their board interaction, directors are in their sights. Are you prepared for the next round of examinations?

The board is the ultimate authority within the financial institution and with continued pressure on the regulatory front and bottom line, every institution should prepare for more scrutiny than ever. However, with smart preparation, more scrutiny doesn’t have to mean more time spent on compliance.

This webinar will cut through the “regulatory speak” and demonstrate how concentrated preparation around key regulatory and operational issues can put examiners at ease and benefit the financial institution. The keys lie in understanding the logic behind an examination, the part each board member plays in management and risk oversight, and understanding their role in the examination process.


  • The board’s role in the examination process;
  • Understanding examination logic;
  • Examination preparation tactics and tips;
  • Current hot examination topics;
  • From findings to cease and desist: reviewing the possibilities;
  • Your credit union’s available response options; and
    • Regulatory examination resources and guidance.

WHO SHOULD ATTEND? This informative session is designed for board members, Supervisory Committee members, executives, internal auditors, compliance staff, and anyone involved in the examination process and compliance function.

Presented by David A. Reed, JD, Reed and Jolly, PLLC

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