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www.BankerCertification.com

Certification and Certificate Programs

© 2015 Bstuff LLC, all rights reserved

© 2015 Bstuff LLC All Rights Reserved 722 Milky Way, Madison WI 53718

Banking Certification Programs prepare you and your staff for

the challenges your institution faces ahead including:

Regulatory changes and compliance requirements

Audit preparation and responses to exceptions

Fraud and unauthorized activities

New technology advances and opportunities

Consumer concerns, problems and disputes

Staff training, turnover and ongoing education needs

BankersHubBanker Certification and Certificate Programs

Certification Programs:

eBanking Internal Audit Certification

eBanking Specialist Certification

eBanking Professional Certification

Bank Accounting Specialist Certification

AAP Preparatory Training Program

Certificates:ACH Certificate

Payments Fraud Certificate

Debit and ATM Card Certificate

Wire Transfer Certificate

Check and Remote Deposit Certificate



Five great reasons to go with our Banker Certification Programs:

Submit classes for AAP, CTP, NCP and/or CPE Credits

You do not just earn certification with the BankersHub program…you earn valuable creditsneeded to gain or renew professional designations. Taking these programs allows you tofurther your education and training towards these professional distinctions without havingto incur travel expenses.

Take the sessions when it is convenient for you and fits your schedule

Because the BankersHub certification program is completely online, registrants take thecourses and exams when it is convenient. Furthermore, there is not lost productivity andtravel expense associated with live seminars and in-person training conducted in distantlocations.

Choose the track that best meets your career needs

While payments professionals will likely find one of the three eBanking certificationprograms extremely valuable, many others are just looking for a deep dive into one or twoareas of payments, such as Debit/ATM Cards, Wire Transfers, Checks or ACH. Finance andAccounting professionals will find the Bank Accounting Specialist Certification a criticalcomponent of their education. That is why BankersHub offers Certificates andCertifications that provide AAP or CPE credits along with valuable industry recognition.

eBanking Professional is an incredible value for in-depth content and knowledge

With 35 different sessions, the average cost per session is under $100, a value that isalmost impossible to find for content presented by a nationally recognized speaker! Andthere are no hidden fees or add-on expenses!

Certification recipients get access to BankersHub Resource Library

Registrants who complete one of the three BankersHub Certification programs get accessto the BankersHub Resource Library containing sample documents, best practices andresources that help you tackle daily challenges and projects.



For top value in online financial services education, BankersHubPassport is a value that’s tough to beat.

Passport grants you a single ‘season ticket’ registration to all BankersHub eventsfor a full 12 months from time of purchase.The $1,995 price covers events including:

WebinarsLive Streaming ConferencesAll-Day Exclusive 360 webinarsMulti-part Bootcamps

Develop or expand your organization's training library with these playbacks, asany playback link may be shared within your organization. As always, you arefree to invite others to join in the session with you as well.

Click Here for More Information onBankersHub Passport

http://www.bankershub.net/passport.php



Course Listings



Bank accounting includes preparation of permanent records for every

transaction. Corporate statements show a general picture of the institution

while different books of accounts offer detailed analysis of condition. Similar

to other fields, all financial institutions are similar with regards to accounting

principles. However, recent changes in regulations, capital requirements,

interpretations of GAAP (Generally Accepted Accounting Principles), etc.

create challenges for accountants, bookkeepers, analysts, auditors, managers

and executives to keep their institutions up-to-date and compliant.

BankersHub has created a new Bank Accounting Specialist Certification to

address these unique accounting needs of financial institutions. Content

architect and Accounting Professor Paul Sanchez covers critical topics in bank

accounting that every financial institution must understand and complete to

ensure compliance with government regulations and external auditors.

BankersHubBank Accounting Specialist Certification



Course Developer and PresenterPaul J. Sanchez, CPA CBA CFSAFounder – Professional Service Associates

He was an assistant professor at Long Island University - C.W. Post Campus aswell as an adjunct lecturer at City University of New York.He was also on the technical staff of the Auditing Standards and ExaminationsDivisions of the AICPA.

Prior to starting PSA, he was the Vice President-Professional Development for the Audit Division ofa regional bank and Director of Professional Practices and Vice President of a money-center bank,where he directed the professional practice development and training for internal auditors.He practiced public accounting in the New York office of Deloitte where he also was involved as afirm recruiter and in-house professional development instructor.He was an owner and auditing and financial accounting seminar leader for the Person/WolinskyCPA Review Courses, a company that prepared candidates to pass the Uniform CPA Examination.He is a frequent lecturer and seminar leader for accounting, auditing, banking, risk assessment andother professional presentations and is the author of the textbook, “Accounting Basics forCommunity Financial Institutions” (Financial Managers Society, 2nd edition, Chicago, 2009) and themonthly “Ideas an Analysis Letter: The Sanchez Take”As a contributing author, his chapter on ‘An Auditor’s Approach to Risk-Based Auditing: What toAudit and When,’ is included in the textbook, “Effective Auditing for Corporates: Key Developmentsin Practice and Procedures,” (Bloomsbury Information, Ltd, London, 2012).

The BankersHub Learning Management System

Ongoing tracking and reporting of progress

Quizzes at the end of each session requiring 80% or better to pass

Ability to stop and start a session as needed

Notification upon achievement of the Certification or Certificate

All sessions come with downloaded copy of presentation for review

Personal contact to assist with any questions or comments



Bank Accounting Boot Camp

Part 1 – Unique Depository Accounting

Part 2 – Illustrative Bank GAAP Financial Statements

Part 3 – Explanations of Financial Statement Elements

Call Reports

Part 1 - The Fundamentals

Part 2 - Intermediate Topics

Part 3 - Advanced Topics

Review of New Authoritative GAAP Accounting Pronouncements

Capital Risks and Ratios

Financial Statement Analytical Review Procedures

Overview of Banking and Banking Risks

Overview of Asset-Liability Management and Interest-Rate Risk

Overview of Bank Investments

Basel III Implications for Financial Statements and Call Reports


BankersHubBank Accounting Specialist Certification



C1 Bank Accounting Fundamentals - Part 1

Unique Depository Accounting Principles

This 90-minute session illustrates a few of the unique bookkeeping mechanisms that

depository institution's follow — daily balancing and single-entry bookkeeping.

The session also explains and provides examples of the following unique bank GAAP

accounting issues such as:

• Accounting for non-refundable fees and costs — illustrations

• The recording of OREO ("other real estate owned") and accounting for the sale of OREO

• Various off-balance-sheet disclosures

• Accounting for loan losses, impaired loans and troubled debt restructurings

• Accounting for marketable securities

C2 Bank Account Fundamentals - Part 2

Illustrative GAAP Financial Statements

This 90-minute session consists of a review of several of the typical GAAP financial

statements of depository institutions.

The primary focus will be on the balance sheet and the income statement.

Specific discussions and examples of the following will be presented:

• Balance sheet

• Income statement

• Statement of changes in stockholders' equity

• Statement of cash flows

• Notes to the financial statements

• The auditor's report on the GAAP financial statements

• Supplemental data

• MD&A

C3 Bank Accounting Fundamentals - Part 3

Explanation of Financial Statement Elements

This 90-minute session provides explanations of specific elements (assets, liabilities,

equity, interest income, interest expense, non-interest income, non-interest expense,

current and deferred income tax expense) presented in the typical financial statements.

The session will also discuss related business and accounting implications for the elements.

Specific coverage addresses the following:

• Composition of cash and cash equivalents

• The right of setoff for receivables and payables

• Money market investments (interest bearing deposits; Fed Funds sold; securities

purchased under agreement to re-sell)

• Investments (HTM, AFS and Trading Securities)

• Investments purchased at discount or premium

• Security gains and losses — realized and unrealized

• Loans and loan accounting issues

• Overview of loan reserve activity

• PP&E

• Accrued interest receivable

• Other assets

• Deposits — demand and time

• Official checks

• Fed Funds purchased and securities sold under agreement to repurchase

• Accrued interest payable

• Other liabilities

• Equity accounts

• Income statement items

Session Descriptions



C4 Call Reports - Part 1

Fundamentals

This is the first of three 90-minute sessions designed to make the Call Report preparation

experience less burdensome.

It provides participants with the "big picture" concerning the Call Report purpose and how

to best approach the seemingly overwhelming quarterly task of preparing this important

regulatory filing.

It covers basic Call report requirements such as:

• What Forms to file (FFIEC 032 or 041) and when

• How each filer has different requirements based on asset size and other "tests"

• What vendor help is available

It focuses on the banking and accounting implications associated with Call Report Schedules

and Lines. It explains how the Call Report represents a bank balance sheet (Schedule RC)

and income statement (Schedule RI) with extensive detail disclosures in the various

Schedules (RC-A, RC-B, RC-C, RC-E etc.)

How the Schedules and basic financial statement statements are connected is carefully

explained.

Participants will learn how to navigate through the Cal Report to best discover the bank's

financial position as of the quarter end and its financial operations for the quarterly period.


Intermediate Topics

This second of three Call Report sessions provides participants with specific details about

the Call report Balance Sheet (Schedule RC) — the most important Schedule from a

regulatory point of view. Its focus is the details on the important Schedules that are directly

related to the Balance Sheet.

Specific detail coverage will be provided for information required on each of the following

Schedules:

• The Balance Sheet (Schedule RC)

• Securities (Schedule RC-B)

• Loans and Leases (Schedule RC-C)

• Past Due and Non Accrual (Schedule RC-N)

• Other Assets (Schedule RC-F)

• Other Liabilities (Schedule RC-F)

• Memoranda (Schedule RC-N)


Advanced Topics

This session is designed for those who are familiar with the Call Report and who have

completed Call Report — Part 1 and Call report — Part 2.

The primary focus of the session is to examine the intricacies of Call Report Schedule RC-R.

The Basel III requirements and how they are to be implemented on Schedule RC-R will be

the overriding concern. Also troublesome issues (TDRs, negative amortization loans,

reverse mortgages etc) will be covered. New changes to the most recent Call report will

also be reviewed and explored.

C7 Review of New GAAP Pronouncements This session will cover newly finalized bank-related Accounting Standards Updates (ASUs)

issued by the FASB. A brief description of each new ASU will be provided with descriptions

and explanations of the ASU and examples of how it may be implemented. Examples will

focus on new accounting journal entries, and recently required financial statement

presentation and disclosure issues. The session will make participants current about bank

accounting matters.

Session Descriptions



Session DescriptionsE1 Capital Risks and Ratios This session emphasizes the regulators' primary concern that depository institutions have

precious little capital. Even the new capital ratio requirement ratios used to determine

adequacy and well capitalized banks leave banks with little capital compared to an

industrial company (wholesaler, retailer, and manufacturer). An industry analysis of banks

will be reviewed to show the scarcity of capital.

Additionally, the "C" in "CAMELS" (the six components of the Uniform Financial Institutions

Ratings System or UFIRS) will be explained and emphasized.

A review of past Basel and 2 requirements related to capital will also be explored. Capital

ratios in accordance with Basel III will be reviewed along with the process used to calculate

the ratios (capital divided by risk-weighted assets).

E2 Financial Statement Analytical Review Procedures This session will provide participants with an approach to analyzing bank financial

statements.

It will review typical Analytical Procedures such as:

• Historical Trend Analysis

• Ratio Analysis

• Comparison of actual to forecasted results

• Analysis of Interrelationships

• Analysis of industry statistics

It will emphasize surprises in financial data because of:

• Unusual events or transactions

• Accounting changes

• Business changes

• Misstatements

Emphasis will be placed on Ratio analysis using

• Profitability ratios

• Capital ratios

• Asset quality ratios

• Liquidity ratios

• Productivity ratios

In addition UBPR information will be examined to see how it can help with effective

analytical review.

E3 Overview of Banking and Business Risks This session will provide important general information and history about the changes in

the environment of banking in the US over time.

It will also review significant legislation that affects bank accounting such as:

• Federal Deposit Insurance Company Improvement Act (FDICIA)

• Sarbanes Oxley Act (SOX)

The session will also focus on capital markets and the capital market "players" along with a

summary and discussion about business functions (e.g. funding, lending, investing, trading,

and Fee-based services) and business risks (e.g. capital risk, collateral risk, concentration

risk, credit risk, country risk, funding risk, foreign exchange risk, fraud risk, insider risk,

interest-rate risk, management risk, market risk, operations risk, regulatory risk, strategy

risk)



Session DescriptionsE4 Overview of Asset/Liability Management and Interest

Rate Risk

This session covers interest-rate risk and the liability sensitivity of the typical depository

institution.

It shows hoe the direction on interest rates and the positioning of banks can have a

significant favorable or unfavorable impact on the earnings and cash flows of a bank.

It provided an overview of the following:

• Position management and gap analysis

• Duration analysis

• Use of derivative financial instruments to manage interest rate risk

• Typical ALM approach and ALM policy and disclosure of actual versus policy

• Accountants and/or auditor's role with ALM

E5 Overview of Bank Investments This session reviews bank investments — the continuously increasing asset on the left hand

side of the balance sheet.

It will review the following

• Reason for an investment portfolio

• Purpose and contents of an investment policy

• Management responsibility for the investment portfolio (investment managers,

controllers personnel, internal audit personnel)

• Instruments used to construct an investment portfolio

• Investment controls

E6 Basel III Implications for Financial Statements and Call

Reports

This webinar addresses the need for all community banks and thrifts that will have to

navigate the new Call Report Schedule RC-R that addresses Regulatory Capital in accordance

with the new Basel III rules.

Call Report Schedule RC-R has already been revised for advanced approaches filers and in

the first quarter of 2015 will be revised again for all Call Report filers. This 90-minute

session will review the current regulatory capital rules that apply through the end of 2014,

and it will take participants on an overview of the new Schedule RC-R that must be

completed beginning in the first quarter of 2015.

The session will focus on the line-by-line creation of the numerators and denominators for

the four new (4) new Capital ratios:

• Common Equity Tier 1 capital ratio (CET 1)

• Tier 1 Capital Ratio

• Total Capital Ratio

• Tier 1 Leverage Ratio

Phase-in and phase-out time tables also will be discussed along with the new approach for

conserving capital by using the ratios to limit distributions (dividends) and discretionary

bonuses.


Course Listings

www.AAP-Prep.com


Training to take the AAP (Accredited ACH Professional) Exam can be

one of the most difficult and stressful events in the career of any serious

Payments professional. Few achievements, however, will offer you more

opportunities to advance and succeed than earning the AAP designation

after your name.

BankersHub has teamed up with payments expert and industry trainer

Donna Olheiser, AAP to offer an in-depth Payments Program to everyone

serious about taking the AAP Exam. This series of 12 60-90 minute

recorded training courses covers the critical aspects of ACH addressed in

the AAP Exam, along with over 10-15 review questions at the end of each

session to help you practice what you've learned, PLUS 120 review

questions at the end of the training series to review key concepts and

retention!

BankersHubAAP Preparatory Training Program

www.AAP-Prep.com


NOTE: This program is intended to cover key elements associated with

ACH and Payments Processing. It is not intended to be as substitute for

other learning initiatives. BankersHub makes no warranties or guarantees,

expressed or implied, about any individual's ability to successfully pass the

AAP Exam after having taken this Preparatory Program. Furthermore, this

program, BankersHub, Bstuff LLC, nor the instructor Donna Olheiser, are in

any way affiliated with NACHA or its affiliates.

Note RegardingAAP Preparatory Training Program

www.AAP-Prep.com


Course Developer and PresenterDonna Olheiser, AAPFounder and VP – Education, Dynamic MastershipDonna holds an instructional design and a consulting certification from LangevinLearning Services and with that training has designed and developed multipleinstructional materials based on Rules changes and needs in the financial servicesindustry. These materials may include, but are not limited to, on-line and in-persontraining venues, quick reference guides and step-by-step procedures for use byattendees outside the classroom/webinar (take-away).

Donna’s extensive experience delivering educational material on multiple payment-related topics,included venues such as, webinars, workshops, symposiums, on-site consultations and nationalconferences. Donna holds a Professional Master Trainer Certification (achieved in May 2005 by LangevinLearning Services, the World’s Largest Train-the-Trainer Organization); which means she possesses theknowledge to apply the adult learning principles to all types of learning, training, and speaking events.

Donna is also known as an expert when providing exceptional customer service with her vast experiencein the retail environment. She has over 20 years’ experience working with the public and co-workers invarious positions which currently involves a management role, while maintaining professionalism andensuring the customer is provided superior service and satisfaction in any retail environment. This retailexperience has helped Donna continue to utilize the knowledge and skill set when dealing with people inher professional career in any position, a trainer, team leader, project management expert, or by simplyproviding the ultimate experience and satisfaction for customers and team members in a retailenvironment or for those participants who attend perhaps one or multiple training events.

Donna has over 22 years of experience in the financial services industry which includes 9 years’experience as the Education Service Director at a Regional Payments Association (RPA) and 14 years invarious departments with the Federal Reserve Bank of Minneapolis and also holds the Accredited ACHProfessional (AAP) designation.

The BankersHub Learning Management SystemOngoing tracking and reporting of progress






www.AAP-Prep.com


General Payment Systems Overview (90 mins)

ACH Products and Marketing (60 mins)

ACH Risk Management (90 mins)

Reg E Basics and Error Resolution (60 mins)

Regulations and the ACH Network (90 mins)

Operating Rules

NACHA Operating Rules-Part 1 (90 mins)

NACHA Operating Rules-Part 2 (90 mins)

ACH Participants, Roles & Responsibilities (90 mins)

ACH Returns and Exceptions (90 mins)

ACH Prenotes, Reversals and NOC’s (90 mins)

Standard Entry Class (SEC) Codes-Details (90 mins)

ACH Technical Specs and File Formats (90 mins)

www.AAP-Prep.com

BankersHubAAP Preparatory Training Series


Session Descriptions1 General Payment Systems Overview (90 mins) A detailed overview of the four payments systems, Check, Card, Fedwire Funds and

Securities Service, and the ACH Network. In this session we will provide details on how to

identify the participants and legal framework for each payment system to prepare you for

the AAP exam. Included is a comparative analysis of participants in the check, card and

Fedwire with those in the ACH network. An opportunity to test your comprehension of

these basic principles in multiple choice questions.

2 ACH Products and Marketing (60 mins) The ACH network has multiple products that can be utilized by multiple organizations to

help streamline their payment processes. This session will identify the multiple products

within the ACH network, while identifying their benefits for both the originating company

and the ultimate receiver. Details on what the products are most commonly used for and

ways a financial institution could market these products to current and new customers.

Practice your marketing abilities and your knowledge of what type of company would

benefit from which type of ACH product by answering 10 multiple choice questions after

this session is completed.

3 ACH Risk Management (90 mins) Before June 2010, Risk wasn’t a word mentioned in the ACH network – now a Risk

Assessment of a financial institutions entire ACH program is a required practice according to

the NACHA Operating Rules and regulators. We’ll identify the different types of Risk that

affect the ACH network and which participants hold the greatest liability for each type of

Risk. Included will be ways to help mitigate or reduce the type of Risk discussed while

applying to different scenarios. Ten multiple choice questions will be provided to help you

ensure you’ll be able to identify the different types of risk and ways to mitigate in different

scenarios.

4 Reg E Basics and Error Resolution (60 mins) Regulation E is a big part of consumer error resolution and also a must-know for the AAP

exam. We will discuss the basics of Regulation E, some definitions, the error resolution

process including the loss of a debit card. Scenarios discussed during this session will help

retention of how to handle transactions with regard to Regulation E and the consumer

account holder. An opportunity to test your knowledge will be provided in 10 multiple

choice questions.

5 Regulations and the ACH Network (90 mins) To successfully pass the AAP exam, you need to know other regulations that affect the ACH

network such as, UCC 4A, Reg CC, Reg D, 31 CFR Part 210, 203 and 370, Reg GG, the US Patriot

Act, BSA, and OFAC. This session will cover the details you need to know. Upon completion

of this session is a chance to test what you remember with 10 multiple choice questions.

6 NACHA Operating Rules-Part 1 (90 mins) The NACHA Operating Rules can be intimidating – so many…how do we know them all? This

is two-parts, outlining the Rules in an easy-to-understand format. In this session we will

cover the rules for the Originator and ODFI, warranties, liabilities and responsibilities in the

ACH network. Included will be agreements needed, authorization requirements and

special process details for the Originator and/or ODFI. Multiple choice questions will test

what you’ve learned to determine where you may need additional study.

7 NACHA Operating Rules-Part 2 (90 mins) Both this session and previously, session 6 outline the Rules in an easy-to-understand

format. In this session we will cover the rules for the RDFI, Receiver and the ACH Operator.

Responsibilities and warranties of the RDFI and their special processes will be covered plus

details surrounding the Written Statement of Unauthorized Debit (WSUD). Included will be

the warranties and responsibilities of the Third-Party Sender. Multiple choice questions

will test what you’ve learned to determine where you may need additional study.

www.AAP-Prep.com


Session Descriptions8 ACH Participants, Roles & Responsibilities (90 mins) The ACH Network has five basic participants plus Third-Party Senders and Third-Party

Service Providers; this session will define each one, their role, their responsibilities in the

network and any warranties and/or liabilities. Highlights will include what each participant

does in a format that makes learning these very important elements easy. Review

questions will help you identify where you may need additional study – this topic is the

basis for all ACH questions that may appear on the AAP exam.

9 ACH Returns and Exceptions (90 mins) ACH return entries – several Rules and exceptions to those Rules will be discussed and how

to apply these to returning entries using the ACH network. General or administrative

returns plus extended returns will be covered in extreme detail, including timeframes and

forms/paperwork that may be needed. Multiple choice questions will test your knowledge

on timeframes, paperwork needed and when to use a specific return for a specific reason.

10 ACH Prenotes, Reversals and NOC’s (90 mins) In 2014, a new Prenote Rule was introduced and in 2015 a new Rule will become effective

regarding the reversal process. This session will provide all the nitty gritty details for

Prenotes, Reversals and as an added bonus – everything you’ve wanted to know about

Notification of change (NOC) entries (otherwise known as COR Entries). Responsibilities

and warranties for each participant involved in these processes will be discussed. Multiple

choice questions will provide an opportunity to test what participants have covered in this

session.

11 Standard Entry Class (SEC) Codes-Details (90 mins) There are twenty-three Standard Entry Class (SEC) Codes that uniquely identify each

product within the ACH network, this session will define and list all details for each of these

codes. Each of these codes may appear on the AAP exam in the form of a question or a

multiple choice answer and the need to know the details are extremely important. Tips and

pneumonic pointers will be used to help participants retain the details of all SEC Codes to

successfully pass the AAP exam. Multiple choice questions will help participants identify

which codes they need to spend more time with their studies.

12 ACH Technical Specs and File Formats (90 mins) Technical specifications and format requirements will be provided in this session. The ACH

network is designed so ACH files, batches and entries can be processed efficiently and

electronically. Details on what the specifications are, including the sequence of ACH records

and certain characters and field inclusion requirements will be covered. Multiple choice

questions will help enhance the retention of this material.

www.AAP-Prep.com


Course Listings



Every financial institution involved in eBanking knows the growth

opportunity and competitive advantage associated with this offering.

However, electronic banking also includes risk that must be identified and

managed to achieve success.

This unique program is built from the ground up with the expertise of bankers

who know first-hand the risk involved but also the need to grow your

customers and business. It’s meant not only for management and supervisors,

but also for the frontline eBanking specialists who are the backbone of the

financial institution’s operations and deal with the inherent business risks

every day. Compliance happens when your entire team is armed with the

knowledge and requirements necessary to compete in this growing and

profitable offering.

This program is designed to grow with your eBanking team as they seek the

knowledge and education necessary to compete in this essential area in your

financial institution’s growth.

BankersHubeBanking Certification and Certificate Programs



Our Electronic Banking Certification and Certificate Programs aredesigned to provide thorough and detailed training and certification for the

people in your institution working both in an operational capacity and in

supervisory roles responsible for compliance, risk and audit. The programinvolves three different types of certifications including an:

Electronic Banking Internal Audit Certification (EIA)

Employees who complete the Electronic Banking Internal Audit CertificationProgram earn a prestigious professional designation awarded by BankersHub aswell as a framed certificate which is good for two years. This program requiresparticipants to complete all 16 sessions with a test at the end of each one.Participants must score an 80% on each course and complete all 16 sessions toreceive this certification.

Electronic Banking Specialist Certification (EBS)

Employees who complete the Electronic Banking Specialist CertificationProgram earn a prestigious professional designation awarded by BankersHub aswell as a framed certificate which is good for two years. This program requiresparticipants to complete all 23 courses with a test at the end of each course.Participants must score an 80% on each course and complete all 23 courses toreceive this certification.

Electronic Banking Professional Certification (EBP)

Employees who complete the Electronic Banking Professional CertificationProgram earn a prestigious professional designation awarded by BankersHub aswell as a framed certificate, which is good for two years. This program requiresparticipants to complete all 36 courses with a test at the end of each course andpassing score of 80%.

For those seeking more focused education, the program also offerscertificates covering 5 critical areas of payments:

ACH CertificateWire Transfer CertificateDebit and ATM Card CertificateCheck and Remote Deposit CertificatePayments Fraud Certificate


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Non-Passport customers - Pricing per student/certification $795 $795 $795 $795 $795 $1,195 $1,495 $1,895

Members with Passport season ticket

Prerequisite - Intro to Payments Players and Regulatory and Network Requirements P P P P P P P P

ACH

ACH Basics for Originating and Receiving P P P

ACH Exception Item Handling P P P

ACH Federal Payments Processing P P P

ACH Risk Management, Reporting and Monitoring P P P

ACH Legal and Compliance Considerations P P P

ACH Fraud Trends P P P P

Checks and Remote Deposit

Introduction to Check Services and Check Exceptions P P P

Check Legal and Compliance Obligations P P P

Remote Cash Capture: New RDC on the Block P P P

Liabilities for Check Forgeries under UCC P P P P

Check Fraud P P P P

The Different Types of Remote Captures: From Branch to Mobile Capture P P P

Debit/ATM Cards

Introduction to Debit and ATM Cards P P P

Introduction to Prepaid Debit Cards P P P

Debit Card and ATM Disputes and Exception Item Handling P P P

Debit Card Legal and Compliance Obligations P P P

Debit Card Fraud Trends and Fraud Management P P P P

Wire Transfer

Wire Transfer Basics and Exception Item Processing P P P

Fundamentals of International Wire Transfers P P P

Wire Policy and Procedures Workshop P P P

Wire Transfer Legal and Compliance Considerations P P P

Wire Transfer Fraud Trends and Effective Mitigation Controls P P P P

General eBanking Management

Documenting Your ACH, RDC, Wire Transfer and Debit Card Policy P

Legal and Compliance Considerations in ACH, RDC, Wire Transfer and Debit Cards P P

Effective Communication of ACH, Wire Transfers and RDC to Your Commercial Clients P P P P

Effective Risk Management in ACH, RDC, Debit Card and Wire Transfer P P

Payments Risk Assessments and Regulatory Expectations for ACH, RDC, Wire Transfer and Debit Cards P P P P P P P P

eBanking Audit

Effectively Auditing Your Payments Areas (ACH, RDC, Wire Transfer, and Debit Cards) P P

Fundamentals of Payments Monitoring for ACH, RDC, Wire Transfer and Debit Cards P P

Identity Theft and Red Flags P P P

FFIEC Guidance on Authentication in Internet Banking Environment P P

Top Findings in ACH, RDC and Wire Transfer Audits P P P P P P P

Mobile Security Threats P P P

Managing, Auditing and Overseeing your ACH Third Party Senders P P P

Mitigating Elderly Financial Exploitation in Payments P P P P

eBankingCertificate

eBankingCertification

$495 per student or certificate

(c) 2014 Bstuff LLC Certification Program Matrix Page 1 6/25/2014


Course Developer and PresenterTerri Sands AAPFounder – Secura Risk ManagementSVP, Payments Oversight and Fraud ManagementState Bank and Trust (GA)

Throughout her career, Terri has served as a leader in the payments industry, providingeducation, consulting and support services geared toward the specific needs ofcommunity banks and credit unions. Terri speaks nationally on topics includingpayments risk management, payments auditing, operational improvements andefficiencies, fraud prevention and management and has authored numerouspublications and articles on payments risk, ACH and remote deposit capture auditing,reconcilement, and payments fraud.Terri is an Accredited ACH Professional (AAP) and received her At-Risk Adult Specialist(ACT) designation focusing on the prevention of Financial Exploitation and Abuse inElderly Adults. Prior to founding Secura, Terri served as co-founder of PaymentsInformation Circle (PIC), a service organization providing payments industry education,auditing, consulting, resources, and support services to community banks and creditunions throughout the country. Prior to her work at PIC, Terri also served as thePresident of GACHA, a non-profit, regional payments association, and was SeniorTraining Analyst for the ACH Department of the Federal Reserve Bank of Atlanta.

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Ongoing tracking and reporting of progress







SESSION TITLE DURATION DESCRIPTION

eBanking ProfessionalCertification (EBP)

PrerequisiteIntro to Payments Players andRegulatory and NetworkRequirements

38 minutes This session will focus on the payments foundation including the entities responsible for regulating,processing/settling and developing rules for the different payment collection system. In addition, this sessionprovides attendees with an understanding of each payment network including ACH, Debit Card, Wire Transfer andChecks. This module is required for all certificates and certifications as it helps individuals obtain a workingknowledge of the overall requirements for participation in each payment collection system.

ACH Topics

ACH Basics for Originating andReceiving

51 minutes This session will focus on the participants, flow and the general rules of ACH. Participants will gain an understandingof:• How items are processed through the network• The participants and their roles and responsibilities, and• How funds settle and post to accountsParticipants will also learn how ACH is similar and different than other payment channels such as the wire and checknetwork.

ACH Exception Item Handling 51 minutes This session will focus on the exception item process that goes along with the operational responsibilities on both theorigination and receiving side. Areas covered on the receiving side will include• Return processing• Notification of change initiation• Posting and funds availability• Regulation E disputes• Requirements for passing electronic data interchange to your clients as required under the NACHA Operating RulesAreas covered on the origination side include• Dishonored returns• Reversal initiation• Rejected entries• Responsibilities for passing returns• Notifications of change back to your ACH customers and much moreThis session will provide participants with best business practices on how to effectively handle those exception itemson both sides of the ACH network.

ACH Federal PaymentsProcessing

44 minutes This session will focus on the best business practice for handling federal payments. Participants will learn• How to handle issues such as name and account number not matching when posting to the account• Notification of change processing• Best business practices for handling reclamations and death notification entries, and• Other exception item handling when dealing with federal payments.

ACH Legal and ComplianceConsiderations

57 minutes As with any payment channel, it is important to know the legal responsibilities to provide the appropriate protectionfor the origination and receiving side of ACH. This session will focus on required legal documents to have in place toprotect your financial institution including:• Your deposit agreement• Origination agreement• Authorization• Written Statement of Unauthorized Activity and• Additional documents financial institutions are utilizing to further protect them against unnecessary liabilities aswell as the BSA compliance requirements for ACH.

Effective Communication of ACH,Wire Transfers and RDC Rules toYour Commercial Clients

50 minutes This session will focus on best business practices for effectively communicating ACH, RDC, and Wire Transferresponsibilities to the Cash Management customer. Areas covered include• Applicable Rules and responsibilities of the cash management customer as it relates to each payment stream• Effective methods of communicating these responsibilities and• Follow-up best business practice tools to ensure these requirements are met.

ACH Risk Management,Reporting and Monitoring

60 minutes This session will focus on the requirements within the ACH network for managing and mitigating your ACH risks,assessing your risk on a periodic basis, and effectively acting on those areas that represent the greatest exposure toyour financial institution. This segment will include a sample ACH Risk Assessment for you to use back at yourfinancial institution when performing your periodic assessment as required under the NACHA Operating Rules.

(c) 2014 Bstuff LLC eBanking Professional Certification Page 1 6/28/2014



Introduction to Check Servicesand Check Exceptions

33 minutes This session will provide the Framework, Participants, Processing, Flow, and Rule and Regulations surrounding checkservices. It will cover check exceptions including return handling, forgeries, unauthorized signatures and endorsementrequirements.

Check Legal and ComplianceObligations

45 minutes This session will focus on the legal and compliance obligations of a check in accordance with:• Uniform Commercial Code 3 and 4,• Regulation CC, J, Check 21, and• Clearinghouse Rules.This session will also outline the FFIEC regulatory guidance for remote deposit capture.

Remote Cash Capture: New RDCon the Block

52 minutes Remote cash capture provides a hardware and courier independent solution for financial institutions and theirmerchants to manage their cash supply chains more cost effectively. This service is a newer concept for a number offinancial institutions looking to service customers that require a cash specific service for securing their funds againsttheft while gaining better funds availability. This webinar will review what this new service is all about and provideparticipants with a working knowledge of how to determine the need and how to most effectively manage the risksassociated with this service.

The Different Types of RemoteCaptures: From Branch to MobileCapture

36 minutes This session will provide attendees with a strong foundation for understanding the different types of check capture.These types of capture include branch, teller, consumer (flatbed), mobile, and merchant capture processing.Participants will learn the flow, participants and responsibilities of the financial institution for processing checks in aremote environment.



Payments Fraud

ACH Fraud Trends 55 minutes This session will bring light to the increase in fraud and fraud concerns regarding the ACH network. Learn the types ofattacks such as• Corporate account takeover• Man-in-the-middle• Payroll fraud• ACH kiting and• Best business practices for mitigating these types of fraud attacksIt takes additional layers of protection as stated in the FFIEC Guidance but also takes the commitment from thefinancial institution to stop the fraud• Does it take sophisticated systems• Does it require fraud specialists to work for your institution• What is necessary to avoid such attacks and yet doesn’t inconvenience your ACH CustomersThis session will provide best business practices to answer all of these questions and many more.

Liabilities for Check Forgeriesunder UCC

55 minutes Check fraud law is governed by Articles 3 and 4 of the Uniform Commercial Code (UCC). Uniform Commercial CodeArticles 3 and 4 addresses the(i) Alterations to the check,(ii) Forgeries of the maker's signature on either the face of the check or the payee's endorsement on the back of thecheck(iii) Counterfeit checks created by a dishonest third party.This webinar will provide an overview of UCC Article 3 and 4 and discuss your liabilities under the law for forgeries.

Check Fraud 29 minutes This session will take the participant through the types of fraudulent activity occurring in the check industry today andmethods to mitigate this type of fraud. Attendees will learn• Trends in check fraud,• Types of check fraud events, and• Mitigation strategies for preventing check fraud.

Debit Card Fraud Trends andFraud Management

59 minutes Operational losses resulting from fraud, specifically debit/ATM card fraud are evolving quickly and threaten yourcustomers’ accounts and the reputation of your financial institution. This session focuses on:• The growing trends of debit/ATM card fraud• How your financial institution can take a proactive stand in mitigating your risks in card fraud and• The impact of organized crime rings in the debit card fraud space.This session also provides tips on how to have a fraud management strategy for your financial institution in fightingback against these ever increasing fraud events.

Understanding the Identity TheftRed Flags Rule

55 minutes This session will focus on the Identity Theft “Red Flags” requirement to perform a “Red Flags” risk assessment. Thisregulationrequires among other things that a financial institution monitor for evidence of identity theft and report tothe Board of Directors annually the results of the risk assessment.In addition, this regulation requires a financial institution have proper responses to “Red Flag” situations as well asother requirements which must be met to comply.Attendees will learn:• Best business practices for performing the “Red Flags” risk assessment• How to ensure the effectiveness of the risk assessment, and• How to determine usefulness of current policies and procedures.

Mobile Security Threats 51 minutes Over the past decade, mobile phones have become one of the most powerful and ubiquitous technologies forbanking. Today, there are billions of individuals dependent upon mobile phones for their financial needs and morecompanies are becoming dependent upon mobile devices for the acceptance of payments.This session will focus on the regulatory expectations of accepting payments via the mobile device and how financialinstitutions are taking these requirements and applying them in their daily business strategy and information securityplans.

Wire Transfer Fraud Trends andEffective Mitigation Controls

54 minutes This session will focus on methods for mitigating wire transfer fraud including such business practices as:• Strong authentication procedures• Exposure limits• Staff training and well documented procedures• Risk management systems and agreements.Other areas of fraud risk will be covered and best business practices will be offered to mitigate the financialinstitutions fraud risk.



Mitigating Elderly FinancialExploitation in Payments

52 minutes The financial industry loses millions of dollars annually to fraudsters that use the elderly community to perpetratefraud through check cashing, money mule events, and the utilization of their bank accounts for other funds transfersallowing fraudsters the ability to mask the fraud and escape the crime. This session will take attendees through thefraud issues at hand and provide best business practices for identifying, notifying and reporting these types of eventsto mitigate the risk of elderly financial exploitation abuse.



Debit/ATM Cards

Introduction to Debit and ATMCards

58 minutes This session will focus on the participants, flow and the general rules and regulations of Debit and ATM Cards.Participants will gain a better understanding of:• The different types of debit/ATM cards• How items are processed through the card network• The difference between offline and online debit card systems, and• How funds are loaded and settled through the financial institution.

Introduction to Prepaid DebitCards

55 minutes Prepaid Debit Cards (also called Stored Value Cards) provide an entry point into the financial transaction system.These cards may be used for making an in-store purchase, renting a car, making a bill payment, purchasing over theinternet or simply keeping your money safe. Prepaid cards function as payroll cards, remittance cards, store gift-cards or reloadable cards. Many financial institutions are determining whether or not to get into the prepaid cardbusiness. What are the risks associated with offering prepaid cards? This session will review the various types ofprepaid debit cards and outline the risks associated with each type of prepaid card.

Debit Card Legal and ComplianceObligations

51 minutes This session will focus on the legal and compliance obligation under Electronic Funds Transfer Act which includes:• Timing of the notice to the financial institution• Legal requirements of the financial institution when receiving the notice from the customer• Knowing when the customer may be fully liable and• Understanding your overall responsibilities for resolving the customers’ claim.This session will also provide an overview of the controversial Durban Amendment to the Dodd-Frank Act of 2010 andthe affects this amendment has had on the debit card industry.

Debit Card and ATM Disputes andException Item Handling

55 minutes Regulation E is the consumer protection law that defines the requirements of the Electronic Funds Transfer Actestablished in 1978. This session provides participants an effective foundation for connecting the daily Regulation Ebusiness practices of the financial institution to the regulatory requirements:• A practical understanding of what needs to be documented• How staff should be trained and• What is required for complianceAreas of focus consist of:• How to effectively handle daily debit card disputes• Knowing your liability for Regulation E claims• Understanding the timing of your liability• Determining the amount of your liability, and• Ensuring your communication and documentation complies with the requirement.



Wire Transfer

Wire Transfer Basics andException Item Processing

74 minutes This session will focus on the participants, flow, legal framework and rules and regulatory requirements forprocessing wire transfers. This session will also review effective controls and procedures to implement in order toavoid exception item processing and escalated risks. Topics that will be discussed include such issues as:• Uncollected funds at the point of origination• Incorrect posting to an account• Procedures when names do not match the account number and• Other exception items that would result in a liability to the financial institution.

Fundamentals of InternationalWire Transfers

56 minutes This session will focus on the fundamentals of International Wire Transfers including flow, participants andsettlement for outgoing and incoming wire transfers. This webinar will also focus on the types of International WireTransfers including consumer vs. commercial, foreign exchange vs. non-foreign exchange wires, and the purpose ofSWIFT, CHIPS, and the Federal Reserve Bank in the wire transfer system.This webinar will provide attendees a clear understanding of:• Information required for customers to send international wires such as BIC or SWIFT codes• IBAN numbers and other codes specific to certain countries/regions• The purpose of these codes, and• How financial institutions can better communicate these instructions to their customers wishing to sendinternational wire transfers.

Wire Policy and ProceduresWorkshop

67 minutes This session will cover:• Wire transfer regulatory requirements• Provide participants the components of what needs to be included in your wire policy and procedures and• Review a sample wire policy & wire procedure to provide a comprehensive understanding of what needsdocumenting.

Wire Transfer Legal andCompliance Considerations

29 minutes Financial institutions continue to be concerned over the legal and compliance risks associated with sending wiretransfers. This session will focus on the laws and regulations that provide guidance over the wire transfer system andthe requirements to comply. The participant will gain a working knowledge of:• What is required to comply with regulatory guidance over the wire transfer program,• Specific laws and regulations that govern the wire transfer system and• The expectations of what should be included in the executed wire transfer agreement between the customer andthe financial institution prior to providing wire transfer services.

General eBanking Management

Documenting Your ACH, RDC,Wire Transfer and Debit CardPolicy

27 minutes Policies are significant in outlining expectations and key controls for effectively managing and overseeing thedifferent payment systems. This session will outline key elements that should be included in the ACH, RDC, WireTransfer and Debit Card Policy and provide a working knowledge of approval guidelines, training expectations andongoing maintenance of the policies.

Legal and ComplianceConsiderations in ACH, RDC, WireTransfer and Debit Cards

45 minutes This session will take the participants through legal and compliance requirements for processing the differentpayment types. Participants will learn the most significant legal and compliance issues faced today when using thedifferent payment channels and best business practices for mitigating legal and compliance risks.

Effective Risk Management inACH, RDC, Debit Card and WireTransfer

51 minutes Risk management is important in effectively handling the threats within your payments environment. This sessionwill provide participants with the top 5 risk management methods and tools for effectively managing and overseeingeach payment system.

Payments Risk Assessments andRegulatory Expectations for ACH,RDC, Wire Transfer and DebitCards

45 minutes This session will outline the regulatory expectations for processing ACH, RDC, Wire Transfer and Debit Cards. Inaddition, the presenter will take participants through best business practices for conducting the risk assessments,identifying high risk threats for each payment system and testing these key mitigating controls when performing theACH, RDC, Wire Transfer and Debit Card risk assessments.



eBanking Audit

Effectively Auditing YourPayments Areas (ACH, RDC, WireTransfer, and Debit Cards)

45 minutes This program session will provide guidance on how to effectively audit your payments areas including• Defining key controls,• Determining effective vs. broken controls,• Testing compliance with required rules and regulatory expectations and• Outlining best business practices for ensuring staff and systems are appropriately managed and equipped tohandle the level of complexity of each payments program offered by the financial institution.

Fundamentals of PaymentsMonitoring for ACH, RDC, WireTransfer and Debit Cards

45 minutes Monitoring is a significant risk control for any payments program and a regulatory expectation. This session willfocus on regulatory expectations in each payments program for monitoring activity, anomalies, and other changesthat may occur due to technology, staff changes and/or network rule and regulatory updates.

FFIEC Guidance on Authenticationin Internet Banking Environment

25 minutes Cyber-crime incidents have increased significantly over the past several years, specifically relating to accountcompromising where the fraudster steals the credentials of an online banking user. This session is important as asignificant number of transactional data travel through an online banking system for the purpose of initiatingpayments such as ACH and Wire Transfer. This session will review the FFIEC Guidance on Authentication in anInternet Banking Environment and outline the responsibilities of a financial institution in complying with therequirements of the guidance and securing data.

Top Findings in ACH, RDC andWire Transfer Audits

63 minutes This session will focus on the top findings in ACH, Remote Deposit Capture and Wire Transfer Audits and howfinancial institutions can better prepare for these exams. Learn the biggest gaps in the ACH, RDC and Wire transfersystems and how financial institutions have responded to audit findings to improve their payment programs.

Managing, Auditing andOverseeing your ACH Third PartySenders

44 minutes This session will focus on third party sender relationships in the ACH network. Areas covered include:• Defining a third party sender relationship• How to provide effective monitoring and oversight of this type of higher risk relationship, and• Best business practices in effectively managing a third party sender relationship including

o Approvingo Onboarding ando Implementing and educating this entity



Course Listings



eBanking Specialist Certification(EBS)

PrerequisiteIntro to Payments Players andRegulatory and NetworkRequirements

38 minutes This session will focus on the payments foundation including the entities responsible for regulating,processing/settling and developing rules for the different payment collection system. In addition, this sessionprovides attendees with an understanding of each payment network including ACH, Debit Card, Wire Transfer andChecks. This module is required for all certificates and certifications as it helps individuals obtain a workingknowledge of the overall requirements for participation in each payment collection system.

ACH TopicsACH Basics for Originating andReceiving

51 minutes This session will focus on the participants, flow and the general rules of ACH. Participants will gain an understandingof:• How items are processed through the network• The participants and their roles and responsibilities, and• How funds settle and post to accountsParticipants will also learn how ACH is similar and different than other payment channels such as the wire and checknetwork.


ACH Federal Payments Processing 44 minutes This session will focus on the best business practice for handling federal payments. Participants will learn• How to handle issues such as name and account number not matching when posting to the account• Notification of change processing• Best business practices for handling reclamations and death notification entries, and• Other exception item handling when dealing with federal payments.

ACH Risk Management, Reportingand Monitoring



Introduction to Check Services andCheck Exceptions


Remote Cash Capture: New RDC onthe Block

52 minutes Remote cash capture provides a hardware and courier independent solution for financial institutions and theirmerchants to manage their cash supply chains more cost effectively. This service is a newer concept for a number offinancial institutions looking to service customers that require a cash specific service for securing their funds againsttheft while gaining better funds availability. This webinar will review what this new service is all about and provideparticipants with a working knowledge of how to determine the need and how to most effectively manage the risksassociated with this service.



(c) 2014 Bstuff LLC eBanking Specialist Certification Page 1 6/28/2014



Payments FraudACH Fraud Trends 55 minutes This session will bring light to the increase in fraud and fraud concerns regarding the ACH network. Learn the types of

attacks such as• Corporate account takeover• Man-in-the-middle• Payroll fraud• ACH kiting and• Best business practices for mitigating these types of fraud attacksIt takes additional layers of protection as stated in the FFIEC Guidance but also takes the commitment from thefinancial institution to stop the fraud• Does it take sophisticated systems• Does it require fraud specialists to work for your institution• What is necessary to avoid such attacks and do it in a way that doesn’t inconvenience your ACH CustomersThis session will provide best business practices to answer all of these questions and many more.

Liabilities for Check Forgeries underUCC



Debit Card Fraud Trends and FraudManagement

59 minutes Operational losses resulting from fraud, specifically debit/ATM card fraud are evolving quickly and at a pace thatthreatens your customers’ accounts and the reputation of your financial institution. This session focuses on:• The growing trends of debit/ATM card fraud• How your financial institution can take a proactive stand in mitigating your risks in card fraud and• The impact of organized crime rings in the debit card fraud space.This session also provides tips on how to have a fraud management strategy for your financial institution in fightingback against these ever increasing fraud events.








Debit/ATM CardsIntroduction to Debit and ATM Cards 58 minutes This session will focus on the participants, flow and the general rules and regulations of Debit and ATM Cards.

Participants will gain a better understanding of:• The different types of debit/ATM cards• How items are processed through the card network• The difference between offline and online debit card systems, and• How funds are loaded and settled through the financial institution.

Introduction to Prepaid Debit Cards 55 minutes Prepaid Debit Cards (also called Stored Value Cards) provide an entry point into the financial transaction system.These cards may be used for making an in-store purchase, renting a car, making a bill payment, purchasing over theinternet or simply keeping your money safe. Prepaid cards function as payroll cards, remittance cards, store gift-cards or reloadable cards. Many financial institutions are determining whether or not to get into the prepaid cardbusiness. What are the risks associated with offering prepaid cards? This session will review the various types ofprepaid debit cards and outline the risks associated with each type of prepaid card.



Wire TransferWire Transfer Basics and ExceptionItem Processing

74 minutes This session will focus on the participants, flow, legal framework and rules and regulatory requirements forprocessing wire transfers. This session will also review effective controls and procedures to implement in order toavoid exception item processing and escalated risks. Topics that will be discussed include such issues as:• Uncollected funds at the point of origination• Incorrect posting to an account• Procedures when names do not match the account number and• Other exception items that would result in a liability to the financial institution.

Fundamentals of International WireTransfers

56 minutes This session will focus on the fundamentals of International Wire Transfers including flow, participants andsettlement for outgoing and incoming wire transfers. This webinar will also focus on the types of International WireTransfers including consumer vs. commercial, foreign exchange vs. non-foreign exchange wires, and the purpose ofSWIFT, CHIPS, and the Federal Reserve Bank in the wire transfer system.This webinar will provide attendees a clear understanding of:• Information required for customers to send international wires such as BIC or SWIFT codes• IBAN numbers and other codes specific to certain countries/regions• The purpose of these codes, and• How financial institutions can better communicate these instructions to their customers wishing to sendinternational wire transfers.






General eBanking

ManagementPayments Risk Assessments andRegulatory Expectations for ACH,RDC, Wire Transfer and Debit Cards


eBanking AuditTop Findings in ACH, RDC and WireTransfer Audits

63 minutes This session will focus on the top findings in ACH, Remote Deposit Capture and Wire Transfer Audits and howfinancial institutions can better prepare for these exams. Learn the biggest gaps in the ACH, RDC and Wire transfersystems and how financial institutions have responded to audit findings to improve their payment programs.

Managing, Auditing and Overseeingyour ACH Third Party Senders

44 minutes This session will focus on third party sender relationships in the ACH network. Areas covered include:• Defining a third party sender relationship• How to provide effective monitoring and oversight of this type of higher risk relationship, and• Best business practices in effectively managing a third party sender relationship including

o Approvingo Onboarding ando Implementing and educating this entity



Course Listings



eBanking Internal Audit

Certification (EIA)

Prerequisite

Intro to Payments Players and

Regulatory and Network

Requirements

38 minutes This session will focus on the payments foundation including the entities responsible for regulating,

processing/settling and developing rules for the different payment collection system. In addition, this session

provides attendees with an understanding of each payment network including ACH, Debit Card, Wire Transfer and

Checks. This module is required for all certificates and certifications as it helps individuals obtain a working

knowledge of the overall requirements for participation in each payment collection system.

Effectively Auditing Your Payments

Areas (ACH, RDC, Wire Transfer,

and Debit Cards)

45 minutes This program session will provide guidance on how to effectively audit your payments areas including

• Defining key controls,

• Determining effective vs. broken controls,

• Testing compliance with required rules and regulatory expectations and

• Outlining best business practices for ensuring staff and systems are appropriately managed and equipped to

handle the level of complexity of each payments program offered by the financial institution.

ACH Legal and Compliance

Considerations

57 minutes As with any payment channel, it is important to know the legal responsibilities to provide the appropriate protection

for the origination and receiving side of ACH. This session will focus on required legal documents to have in place to

protect your financial institution including:

• Your deposit agreement

• Origination agreement

• Authorization

• Written Statement of Unauthorized Activity and

• Additional documents financial institutions are utilizing to further protect them against unnecessary liabilities as

well as the BSA compliance requirements for ACH.

Check Legal and Compliance

Obligations

45 minutes This session will focus on the legal and compliance obligations of a check in accordance with:

• Uniform Commercial Code 3 and 4,

• Regulation CC, J, Check 21, and

• Clearinghouse Rules.

This session will also outline the FFIEC regulatory guidance for remote deposit capture.

Fundamentals of Payments

Monitoring for ACH, RDC, Wire

Transfer and Debit Cards

45 minutes Monitoring is a significant risk control for any payments program and a regulatory expectation. This session will

focus on regulatory expectations in each payments program for monitoring activity, anomalies, and other changes

that may occur due to technology, staff changes and/or network rule and regulatory updates.

Understanding the Identity Theft

Red Flags Rule

55 minutes This session will focus on the Identity Theft “Red Flags” requirement to perform a “Red Flags” risk assessment. This

regulation which became effective a few years ago, requires among other things that a financial institution monitor

for evidence of identity theft and report to the Board of Directors annually the results of the risk assessment.

In addition, this regulation requires a financial institution have proper responses to “Red Flag” situations as well as

other requirements which must be met to comply.

Attendees will learn

• Best business practices for performing the “Red Flags” risk assessment

• How to ensure the effectiveness of the risk assessment, and

• How to determine usefulness of current policies and procedures.

FFIEC Guidance on Authentication

in Internet Banking Environment

25 minutes Cyber-crime incidents have increased significantly over the past several years, specifically relating to account

compromising where the fraudster steals the credentials of an online banking user. This session is important as a

significant number of transactional data travel through an online banking system for the purpose of initiating

payments such as ACH and Wire Transfer. This session will review the FFIEC Guidance on Authentication in an

Internet Banking Environment and outline the responsibilities of a financial institution in complying with the

requirements of the guidance and securing data.

Top Findings in ACH, RDC and Wire

Transfer Audits

63 minutes This session will focus on the top findings in ACH, Remote Deposit Capture and Wire Transfer Audits and how

financial institutions can better prepare for these exams. Learn the biggest gaps in the ACH, RDC and Wire transfer

systems and how financial institutions have responded to audit findings to improve their payment programs.

Debit Card Legal and Compliance

Obligations

51 minutes This session will focus on the legal and compliance obligation under Electronic Funds Transfer Act which includes:

• Timing of the notice to the financial institution

• Legal requirements of the financial institution when receiving the notice from the customer

• Knowing when the customer may be fully liable and

• Understanding your overall responsibilities for resolving the customers’ claim.

This session will also provide an overview of the controversial Durban Amendment to the Dodd-Frank Act of 2010

and the affects this amendment has had on the debit card industry.

(c) 2014 Bstuff LLC eBanking Internal Auditor Certification Page 1 6/28/2014


Mobile Security Threats 51 minutes Over the past decade, mobile phones have become one of the most powerful and ubiquitous technologies for

banking. Today, there are billions of individuals dependent upon mobile phones for their financial needs and more

companies are becoming dependent upon mobile devices for the acceptance of payments.

This session will focus on the regulatory expectations of accepting payments via the mobile device and how financial

institutions are taking these requirements and applying them in their daily business strategy and information

security plans.

Managing, Auditing and

Overseeing your ACH Third Party

Senders

44 minutes This session will focus on third party sender relationships in the ACH network. Areas covered include:

• Defining a third party sender relationship

• How to provide effective monitoring and oversight of this type of higher risk relationship, and

• Best business practices in effectively managing a third party sender relationship including

o Approving

o Onboarding and

o Implementing and educating this entity

Wire Transfer Legal and

Compliance Considerations

29 minutes Financial institutions continue to be concerned over the legal and compliance risks associated with sending wire

transfers. This session will focus on the laws and regulations that provide guidance over the wire transfer system

and the requirements to comply. The participant will gain a working knowledge of:

• What is required to comply with regulatory guidance over the wire transfer program,

• Specific laws and regulations that govern the wire transfer system and

• The expectations of what should be included in the executed wire transfer agreement between the customer and

the financial institution prior to providing wire transfer services.

Mitigating Elderly Financial

Exploitation in Payments

52 minutes The financial industry loses millions of dollars annually to fraudsters that use the elderly community to perpetrate

fraud through check cashing, money mule events, and the utilization of their bank accounts for other funds transfers

allowing fraudsters the ability to mask the fraud and escape the crime. This session will take attendees through the

fraud issues at hand and provide best business practices for identifying, notifying and reporting these types of events

to mitigate the risk of elderly financial exploitation abuse.

Effective Risk Management in

ACH, RDC, Debit Card and Wire

Transfer

51 minutes Risk management is important in effectively handling the threats within your payments environment. This session

will provide participants with the top 5 risk management methods and tools for effectively managing and overseeing

each payment system.

Payments Risk Assessments and

Regulatory Expectations for ACH,

RDC, Wire Transfer and Debit

Cards

45 minutes This session will outline the regulatory expectations for processing ACH, RDC, Wire Transfer and Debit Cards. In

addition, the presenter will take participants through best business practices for conducting the risk assessments,

identifying high risk threats for each payment system and testing these key mitigating controls when performing the

ACH, RDC, Wire Transfer and Debit Card risk assessments.

Legal and Compliance

Considerations in ACH, RDC, Wire

Transfer and Debit Cards

45 minutes This session will take the participants through legal and compliance requirements for processing the different

payment types. Participants will learn the most significant legal and compliance issues faced today when using the

different payment channels and best business practices for mitigating legal and compliance risks.

(c) 2014 Bstuff LLC eBanking Internal Auditor Certification Page 2 6/28/2014


Course Listings



PrerequisiteIntroduction to Payments Playersand Regulatory and NetworkRequirements

38 minutes This session will focus on the payments foundation including the entities responsible for regulating,processing/settling and developing rules for the different payment collection system. In addition, this session providesattendees with an understanding of each payment network including ACH, Debit Card, Wire Transfer and Checks. Thismodule is required for all certificates and certifications as it helps individuals obtain a working knowledge of theoverall requirements for participation in each payment collection system.

ACH CertificateACH Basics for Originating andReceiving

51 minutes This session will focus on the participants, flow and the general rules of ACH. Participants will gain an understandingof:• How items are processed through the network• The participants and their roles and responsibilities, and• How funds settle and post to accountsParticipants will also learn how ACH is similar and different than other payment channels such as the wire and checknetwork


ACH Federal Payments Processing 44 minutes This session will focus on the best business practice for handling federal payments. Participants will learn• How to handle issues such as name and account number not matching when posting to the account• Notification of change processing• Best business practices for handling reclamations and death notification entries, and• Other exception item handling when dealing with federal payments.

ACH Risk Management, Reportingand Monitoring


ACH Fraud Trends 55 minutes This session will bring light to the increase in fraud and fraud concerns regarding the ACH network. Learn the types ofattacks such as• Corporate account takeover• Man-in-the-middle• Payroll fraud• ACH kiting and• Best business practices for mitigating these types of fraud attacksIt takes additional layers of protection as stated in the FFIEC Guidance but also takes the commitment from thefinancial institution to stop the fraud• Does it take sophisticated systems• Does it require fraud specialists to work for your institution• What is necessary to avoid such attacks and do it in a way that doesn’t inconvenience your ACH CustomersThis session will provide best business practices to answer all of these questions and many more.

ACH Legal and ComplianceConsiderations

57 minutes As with any payment channel, it is important to know the legal responsibilities to provide the appropriate protectionfor the origination and receiving side of ACH. This session will focus on required legal documents to have in place toprotect your financial institution including:• Your deposit agreement• Origination agreement• Authorization• Written Statement of Unauthorized Activity and• Additional documents financial institutions are utilizing to further protect them against unnecessary liabilities aswell as the BSA compliance requirements for ACH.

(c) 2014 Bstuff LLC eBanking Certificates 1 6/28/2014






Payments Risk Assessments andRegulatory Expectations for ACH,RDC, Wire Transfer and Debit Cards


Top Findings in ACH, RDC and WireTransfer Audits

63 minutes This session will focus on the top findings in ACH, Remote Deposit Capture and Wire Transfer Audits and how financialinstitutions can better prepare for these exams. Learn the biggest gaps in the ACH, RDC and Wire transfer systemsand how financial institutions have responded to audit findings to improve their payment programs.





Introduction to Check Services andCheck Exceptions


Check Legal and ComplianceObligations

45 minutes This session will focus on the legal and compliance obligations of a check in accordance with:• Uniform Commercial Code 3 and 4,• Regulation CC, J, Check 21, and• Clearinghouse Rules.This session will also outline the FFIEC regulatory guidance for remote deposit capture.


55 minutes Check fraud law is governed by Articles 3 and 4 of the Uniform Commercial Code (UCC). Uniform Commercial CodeArticles 3 and 4 addresses the (i) Alterations to the check, (ii) Forgeries of the maker's signature or the payee'sendorsement on the back of the check, or (iii) Counterfeit checks created by a dishonest third party.This webinar will provide an overview of UCC Article 3 and 4 and discuss your liabilities under the law for forgeries.








Remote Cash Capture: New RDC onthe Block

52 minutes Remote cash capture provides a hardware and courier independent solution for financial institutions and theirmerchants to manage their cash supply chains more cost effectively. This service is a newer concept for a number offinancial institutions looking to service customers that require a cash specific service for securing their funds againsttheft while gaining better funds availability. This webinar will review what this new service is all about and provideparticipants with a working knowledge of how to determine the need and how to manage the risks associated withthis service.



Checks and Remote Deposit Certificate





Payments Fraud Certificate

ACH Fraud Trends 55 minutes This session will bring light to the increase in fraud and fraud concerns regarding the ACH network. Learn the types ofattacks such as• Corporate account takeover• Man-in-the-middle• Payroll fraud• ACH kiting and• Best business practices for mitigating these types of fraud attacksIt takes additional layers of protection as stated in the FFIEC Guidance but also takes the commitment from thefinancial institution to stop the fraud• Does it take sophisticated systems• Does it require fraud specialists to work for your institution• What is necessary to avoid such attacks and do it in a way that doesn’t inconvenience your ACH CustomersThis session will provide best business practices to answer all of these questions and many more.














Understanding the Identity TheftRed Flags Rule

55 minutes This session will focus on the Identity Theft “Red Flags” requirement to perform a “Red Flags” risk assessment. Thisregulationrequires among other things that a financial institution monitor for evidence of identity theft and report tothe Board of Directors annually the results of the risk assessment.In addition, this regulation requires a financial institution have proper responses to “Red Flag” situations as well asother requirements which must be met to comply.Attendees will learn:• Best business practices for performing the “Red Flags” risk assessment• How to ensure the effectiveness of the risk assessment, and• How to determine usefulness of current policies and procedures.

Mobile Security Threats 51 minutes Over the past decade, mobile phones have become one of the most powerful and ubiquitous technologies for banking.Today, there are billions of individuals dependent upon mobile phones for their financial needs and more companiesare becoming dependent upon mobile devices for the acceptance of payments.This session will focus on the regulatory expectations of accepting payments via the mobile device and how financialinstitutions are taking these requirements and applying them in their daily business strategy and information securityplans.







Debit/ATM CardsCertificate

Introduction to Debit and ATMCards

58 minutes This session will focus on the participants, flow and the general rules and regulations of Debit and ATM Cards.Participants will gain a better understanding of:• The different types of debit/ATM cards• How items are processed through the card network• The difference between offline and online debit card systems, and• How funds are loaded and settled through the financial institution.

Introduction to Prepaid Debit Cards 55 minutes Prepaid Debit Cards (also called Stored Value Cards) provide an entry point into the financial transaction system.These cards may be used for making an in-store purchase, renting a car, making a bill payment, purchasing over theinternet or simply keeping your money safe. Prepaid cards function as payroll cards, remittance cards, store gift-cardsor reloadable cards. Many financial institutions are determining whether or not to get into the prepaid card business.What are the risks associated with offering prepaid cards? This session will review the various types of prepaid debitcards and outline the risks associated with each type of prepaid card.





Debit Card Legal and ComplianceObligations

51 minutes This session will focus on the legal and compliance obligation under Electronic Funds Transfer Act which includes:• Timing of the notice to the financial institution• Legal requirements of the financial institution when receiving the notice from the customer• Knowing when the customer may be fully liable and• Understanding your overall responsibilities for resolving the customers’ claim.This session will also provide an overview of the controversial Durban Amendment to the Dodd-Frank Act of 2010 andthe affects this amendment has had on the debit card industry.









Wire Transfer Certificate

Wire Transfer Basics and ExceptionItem Processing

74 minutes This session will focus on the participants, flow, legal framework and rules and regulatory requirements for processingwire transfers. This session will also review effective controls and procedures to implement in order to avoid exceptionitem processing and escalated risks. Topics that will be discussed include such issues as:• Uncollected funds at the point of origination• Incorrect posting to an account• Procedures when names do not match the account number and• Other exception items that would result in a liability to the financial institution.

Fundamentals of International WireTransfers

56 minutes This session will focus on the fundamentals of International Wire Transfers including flow, participants and settlementfor outgoing and incoming wire transfers. This webinar will also focus on the types of International Wire Transfersincluding consumer vs. commercial, foreign exchange vs. non-foreign exchange wires, and the purpose of SWIFT,CHIPS, and the Federal Reserve Bank in the wire transfer system.This webinar will provide attendees a clear understanding of:• Information required for customers to send international wires such as BIC or SWIFT codes• IBAN numbers and other codes specific to certain countries/regions• The purpose of these codes, and• How financial institutions can better communicate these instructions to their customers wishing to sendinternational wire transfers.





Wire Transfer Legal andCompliance Considerations

29 minutes Financial institutions continue to be concerned over the legal and compliance risks associated with sending wiretransfers. This session will focus on the laws and regulations that provide guidance over the wire transfer system andthe requirements to comply. The participant will gain a working knowledge of:• What is required to comply with regulatory guidance over the wire transfer program,• Specific laws and regulations that govern the wire transfer system and• The expectations of what should be included in the executed wire transfer agreement between the customer andthe financial institution prior to providing wire transfer services.









Everyone who travels knows that getting from here to there is often onlypossible when there is a convenient hub for making connections. BankersHub

was founded in 2012 by two Financial Services professionals dedicated to

educating and informing banks, credit unions, solution providers andconsultants in the U.S. and around the globe. BankersHub delivers best

practices, research insights, opinions, economic trends and consumer viewsthrough online web education, virtual events and conferences, live streaming

activities, custom training and content development.

Our MissionBankersHub is dedicated to helping financial institutions and solutionproviders get 'from here to there', where 'there' might be greater profitability,

increased productivity, reduced customer attrition, network growth, new

technology, or any other destination desired. BankersHub is all about enablingprofessional connections, networking, thought leadership, and innovations

that are actionable, objective and relevant.

Our GuaranteeBankersHub works hard to meet a wide range of customer needs,expectations and circumstances. If you find that your experience fell short of

this for any reason, please reach out to us and let us know. We guarantee you

will not have to deal with inexperienced, uncaring staff in order to addressyour concerns or issues. We pride ourselves on personal interactions with our

customers over the years. If you are not pleased for any reason let us know,we will work hard to keep your trust...You have our word on it!

About BankersHub



Links and information for BankersHub Certification appear below.

Website Links:


www.AAP-Prep.com

www.BankersHub.net

Email Us:

[email protected]

Call Us:

1 (866) 575-4932

Write Us:

722 Milky Way, Madison WI 53718

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