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CD Rom Training Catalog Volume 10-08

Compliance Appraisal Compliance & Review .........................................................3 BSA Training for the Board & Senior Management .............................3

Certificate of Deposit Accts: Compliance, Sig. Cards & Disclosures ...3 Countdown to Red Flags Compliance: Are You Ready for Nov. 1? ...4 Dealing with Unclaimed & Abandoned Property..................................4

Flood Compliance: Getting It Right!....................................................6 Frontline Skillworks: Bank Secrecy Act Basics...................................6 Handling Returns in the New Payments Environment.........................7

Home Equity Loan & HELOC Compliance ..........................................8 Hot Compliance Issues in Product Regulation ....................................8

How to Roll Out Remote Deposit Capture...........................................8 Surviving a BSA Exam ......................................................................10

Tax Reporting Issues for Non-Resident Alien Deposit Accounts.......10

Directors BSA Training for the Board & Senior Management .............................3 Director Series: Ownership Issues for Directors.................................4 Fallout from the Bailout: CBs Manage the Economic Environment ....5 UBPR: Understanding & Improving Bank Performance ...................11

Front-Line Staff Advanced Business Accounts: Agencies, Escrow & Multi-tiered........2 Certificate of Deposit Accts: Compliance, Sig. Cards & Disclosures ...3

FDIC Changes to Deposit Insurance & Formal/Informal Trust Accts...5 FDIC Insurance: Top 10 Reasons Customer May Not Be Covered ...5 Frontline Skillworks: Bank Secrecy Act Basics...................................6 Handling Powers of Attorney on Deposit Accounts .............................7

Understanding Signature Cards & Account Agreements...................11

Information Technology Network Scanning for Community Banks ............................................9

Lending Analyzing HMDA Data: Framework for Positive Fair Lending Results.2 Appraisal Compliance & Review .........................................................3

Collecting from Past Due Customers .................................................. 4 Fee Income: O Wherefore Art Thou? ................................................. 6

Flood Compliance: Getting It Right! ................................................... 6 Home Equity Loan & HELOC Compliance .......................................... 8 Proper Perfection of Security Interest in Collateral.............................. 9 Regulators & Impaired Loans.............................................................. 9

Reporting Your Credit Data: EOSCAR & Federal Compliance......... 10 Understanding Letters of Credit: Rules Responsibilities & Liabilities.11

Management Advanced Business Accounts: Agencies, Escrow & Multi-tiered........ 2

BSA Training for the Board & Senior Management............................. 3 Countdown to Red Flags Compliance: Are You Ready for Nov. 1? ... 4 Director Series: Ownership Issues for Directors................................. 4 Fallout from the Bailout: CBs Manage the Economic Environment .... 5 FDIC Changes to Deposit Insurance & Formal/Informal Trust Accts... 5 FDIC Insurance: Top 10 Reasons Customer May Not Be Covered ... 5 Fee Income: O Wherefore Art Thou? ................................................. 6 Head Teller Development: Communication Essentials....................... 7

How to Roll Out Remote Deposit Capture........................................... 8 Regulators & Impaired Loans.............................................................. 9 UBPR: Understanding & Improving Bank Performance ................... 11 Understanding Letters of Credit: Rules Responsibilities & Liabilities.11 Understanding Signature Cards & Account Agreements................... 11

Operations ACH Rule Changes That Impact Comm. Banks: International ACH...2 Certificate of Deposit Accts: Compliance, Sig. Cards & Disclosures... 3 Dealing with Unclaimed & Abandoned Property.................................. 4 Handling Returns in the New Payments Environment......................... 7 Hot Compliance Issues in Product Regulation .................................... 8

How to Roll Out Remote Deposit Capture........................................... 8 Reporting Your Credit Data: EOSCAR & Federal Compliance......... 10 Tax Reporting Issues for Non-Resident Alien Deposit Accounts....... 10

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ACH Rule Changes That Impact Community Banks: International ACH Transactions (IAT): Deadlines 3/20/09 & 9/18/09 Presenter: Wendy Wishon, Mid-America Payment Exchange (Web# 100208)

Description: An amendment to the ACH Operating Rules will require ODFIs and Gateway Operators to identify all international payment transac-tions transmitted via the ACH Network. The changes will require that those transactions include the data elements defined within the BSA “Travel Rule.” This impacts every financial institution (FI) participating in the ACH Network and places significant responsibilities on receiving financial institutions. This session provides an overview of the OFAC requirements as implemented in the NACHA rule change, outlines the new responsibili-ties for participating financial institutions, and gives preparation tips.

This major rule change will impact originators, ODFIs and RDFIs and will require significant process and programming changes. It would not be good for the industry for any FI to stop or slow their IAT implementation plans now. This program is for operations specialists and compliance personnel.

Highlights include: Discussion of NACHA and

OFAC background Review current OFAC ob-

ligations for processing domestic ACH transactions

Identify & discuss key pro-visions of the rule change

Outline ODFI and RDFI compliance responsibilities Getting Ready for IAT – Tips for IAT rule implementation

Advanced Business Accounts: Agencies, Escrow & Multi-tiered Presenter: Deborah Crawford, gettechnical inc. (Web# 081208)

Description: The more complicated the business account, the more com-plicated customer identification and due diligence issues become. Who is our customer? What documentation do we need? How do we open, docu-ment, and monitor the ever-changing business environment? What happens when your customer’s type of business changes, signers change, or new tiers are added to the business? We are now in a business environment where LLC members can be corporations and partners may be other busi-nesses. In addition, opening some agency and escrow accounts may pose a risk of money laundering because we do not know the ultimate customer. This program looks at BSA issues on these accounts, how to manage risk and how to open and deal with business accounts that have complex owner-ship. It is designed for personal bankers, customer service representatives, lenders, branch administration, branch managers, and trainers.

Highlights include: 1031 Exchange accounts IOLTA accounts Insurance agents and escrow accounts Collection agencies Bankruptcy for business Documenting multi-tiered business accounts:

Corporation dba sole proprietorship LLC dba LLC Partnerships where the partners are other types of business

Changing signers, changing owners, changing status on regular busi-ness accounts

Bank Secrecy Act issues on high-risk accounts: Who is the customer? To whom am I responsible? What constitutes customer due diligence?

Analyzing HMDA Data: A Proactive Framework for Positive Fair Lending Results (Web# 102308) Presenter: Susan Costonis, gettechnical inc.

Description: The disclosure reports for the 2007 HMDA reporting year should be made available between July and September. What “story” will your institution’s HMDA performance tell the regulators, community groups, the press, and anyone with internet access? Will your institution compare favorably with competitors, or will your data trends reveal poten-tial discriminatory lending practices? How will you know? Analysis of HMDA data is the first step to defend your fair lending program. This seminar helps you understand the approach examiners use when analyzing HMDA performance and provides practical analysis tools to monitor HMDA activity throughout the year to proactively manage fair lending con-cerns. Learn how to document that your lending practices are based on non-discriminatory factors and avoid a “criteria interview” and special fair lending exam, with this session targeted to senior lending management, loan officers, compliance officers, risk managers, and auditors. It is designed for both experienced staff and those new to HMDA analysis and fair lending.

Highlights include: Case study involving a community bank’s HMDA data that became an

“outlier” target for an FDIC special fair lending exam Learn how they now analyze and successfully monitor HMDA activity Learn to identify pricing discrimination triggers from the most recent

FDIC and Federal Reserve benchmarks Learn to avoid common analysis mistakes and correctly compare

“apples to apples”

NACHA extended the effective date of the International ACH transaction rules & formats which affect all com-munity banks, to Sept. 18, 2009. ICBA strongly en-courages all community banks to have production soft-ware implemented by March 20, 2009, the original effective date, and to use the six-month extension for additional process documentation; testing with ACH operators; and customer education, training & testing.

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Appraisal Compliance & Review (Web# 101508) Presenter: Ann Brode, Brode Consulting Services

Description: With market valuations fluctuating in today’s economy, ap-praisal issues are an important topic. A key element of any real estate loan decision is a sound appraisal that truly depicts the market valuation at the time of the loan. Bankers have experienced a “special focus” during recent regulatory exams involving appraisal compliance and appraisal review. How will your bank fare with this enhanced scrutiny? Designed to discuss issues facing lenders today, as well as what regulators are looking for in appraisal compliance and review, this program provides tools to insure suc-cess and to ensure your appraisal procedures meet regulatory guidelines. It is designed for lenders, loan staff, appraisal review staff, compliance offi-cers, and auditors.

Highlights include: When is a full appraisal needed versus an evaluation? What information is required on an evaluation? FAQs on appraisal standards How/when should a bank conduct appraisal reviews? (A handy check-

list for commercial and residential real estate is included.) Auditing appraisal standards

BSA Training for the Board & Senior Management (Web# 102408) Presenter: Ann Brode, Brode Consulting Services

Description: During two recent BSA regulatory panels, examiners were united on one point: the board and senior management are required to re-ceive BSA compliance training. The BSA exam guidelines repeatedly state that the ultimate responsibility for BSA compliance lies with the board of directors. While the board may not require the same degree of training as bank operations personnel, they need to understand the importance of BSA/AML regulatory requirements, the ramifications of noncompliance, and the risks posed to the bank. Without a general understanding of the BSA, the board of directors cannot adequately provide BSA/AML oversight; approve BSA/AML policies, procedures, and processes; or provide sufficient BSA/AML resources. Regulators are sending a definite signal to banks without strong BSA programs via penalties and enforcement actions. This training provides a way to help your senior management and board understand their responsibilities for due diligence and compliance under BSA and meet training requirements in the process. It is directed to all board members, senior management, compliance officers, and bank auditors. The BSA Offi-cer should also attend to be better prepared to field bank-specific questions after this session.

Highlights include: How the banking transactions of the 19 terrorists changed BSA Key information the board should know about this legislation to meas-

ure the strengths and weaknesses of the bank’s BSA/AML program “Four Pillars” of BSA compliance Four critical areas of board reporting: policy approval; risk self-

assessment reports; executive summaries from the annual, independent BSA audit; and exam results

Ongoing training for the board – meeting regulatory requirements Valuable training certification!

Upon request, your bank will be provided a letter of certification stating that those participating have met the training requirements of The Bank Secrecy Act.

Certificate of Deposit Accounts: Compliance, Signature Cards & Disclosures (Web# 093008) Presenter: Deborah Crawford, gettechnical inc.

Description: Most financial institutions no longer offer “negotiable” Cer-tificates of Deposit (CDs). If that’s true, why do we still have CDs en-dorsed, filed, and treated like the negotiable certificates of years past? Many banks have incorporated a signature card into the CD process and combined the old and new ways. Some banks have discarded the instru-ment completely and now use a signature card/account agreement, and some banks do both. It is a case of your bank’s policy, preference, and eas-ing into the new paperless account-opening procedures. Look at the regula-tions’ requirements, why a signature card contract is needed, and the best practices in today’s era of partial withdrawals. Train your team on the changing world of CDs with this session designed for customer service rep-resentatives, personal bankers, branch administration, compliance person-nel, trainers, branch managers, and frontline staff.

Highlights include: Regulation D: What is a time deposit and what are the restrictions? When penalties can be waived and when they cannot Are CDs still negotiable? If not, then what is the importance of the sig-

nature card contract? Who signs the signature card? What if all parties have not signed? Can we allow partial withdrawals on CDs? What are the risks? Regulation DD: Notice and disclosure requirements for CDs Tax payer identification number certification: W-9s, W-8BENs, and

EINs

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Collecting from Past Due Customers (Web# 101608) Presenter: Greg Souther, Greg Souther Consulting & Seminars

Description: Banks offer credit to expand their customer base and out per-form the competition. However the bank suffers if receivables cannot be collected in a timely manner. From soft customer service “reminders,” to the contacts necessary to move those “hard to motivate” customers, this seminar will help you feel more comfortable with making all collection calls. It will assist you in establishing or revising policy, procedures, and practices to collect past due accounts quickly and efficiently. Learn a sim-ple process for more effective collection strategies that everyone in the bank can follow and implement. This session is designed for CEOs, CFOs, di-rectors, presidents, branch managers, commercial and consumer lenders, compliance officers, collection staff, trainers, human resources, and anyone responsible for establishing and maintaining credit and collection policy and procedures.

Highlights include: Key collection points from the Fair & Accurate

Credit Transaction Act Red Flag Guidelines to be implemented by November 1, 2008, and from the Fair Debt Collection Practices Act

Phone scripts and letters that get results Calling slow pays and collecting the money before the competition Role playing and collection scenarios FACTA Compliance: Reg V, identity theft prevention program, third-

party collectors Reporting past due customers and the benefits to your bank Using the right tools at the right time will produce results Finding money when the customer says he/she has none

Countdown to Red Flags Compliance: Are You Ready for the Nov. 1 Deadline? (Web# 090308) Presenter: Deborah Crawford, gettechnical inc.

Description: The countdown to implementing the new FACT Act rules for identity theft and red flags is on. Are you ready? Have you conducted a thorough risk assessment? Do you know who will be covered and who won’t? Have you written your policy and procedures? Have you trained your staff and gotten approval from the board? If not, you might need a checklist, calendar, sample policies, and procedures. This program will help those who still need to finish their program and also help you check the program you have been developing. Learn more about what your bank needs to do by November 1 to finalize your Red Flags program. This ses-sion is for risk managers, compliance officers, auditors, and personnel who

handle customer information and transactions or training in those areas.

Highlights include: Making a risk assessment for identity theft Using your other policies in conjunction with the identity theft program Defining “covered customer” for your bank The three sections in the new legislation Writing a policy and implementing a program Training your staff Sample program for your board A “to do” checklist as we begin the countdown Sample policies, procedures, and processes

Dealing with Unclaimed & Abandoned Property (Web# 100708) Presenter: Elizabeth Fast, Banker’s Choice

Description: Recently, considerable attention has been focused on the high dollar amount of dormant accounts and unclaimed property held by finan-cial institutions. Both consumers and state agencies that receive unclaimed (abandoned) property have attacked financial institutions' practices/procedures regarding dormant accounts and unclaimed property in safe de-posit boxes. This program covers the Uniform Unclaimed Property Act concepts and the tools every bank needs to evaluate its procedures and prac-tices on dormant accounts and unclaimed property. (State-specific escheat laws are not discussed.) It is designed to assist personnel involved with deposit accounts and safe deposit boxes.

Highlights include: When is an account considered dormant? What fees can be imposed on dormant accounts? What are the bank’s requirements under the Uniform Unclaimed Prop-

erty Act? How should safe deposit boxes be handled? Can the contents of safe deposit boxes be sold to pay past due rent? Does your bank's deposit agreement or safe deposit agreement impose

additional requirements? Director Series: Ownership Issues for Directors (Web# 091608) Presenter: Jeff Gerrish, Gerrish, McCreary, Smith PC

Description: As directors of our community banks, our job involves mak-ing ownership determinations. Should we remain privately held? Should we become SEC reporting and traded on the Pink Sheets or one of the Ex-changes? Should we convert to Subchapter S? Ownership structure doesn’t simply “take care of itself.” Directors need to (Continued on next page . . . )

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make conscious, strategic decisions regarding ownership of the bank and the bank holding company. This session covers the issues the board needs to consider when contemplating using ownership structure to enhance shareholder value. It may reaffirm the status quo for your board or cause them to address issues which may result in a change in the strategic direc-tion regarding ownership. This session is best suited for CEOs, board of directors, chief financial officers, local bank counsel, and other senior bank executives.

Highlights include: Board’s obligation to address ownership Ownership alternatives (going private, Sub S, very private) You can do a Sub S! Should you be publicly traded? How does ownership fit into the overall strategy for the organization?

Fallout from the Bailout: Community Banks Manage the Economic Environment (Web# 101708) Presenter: Jeffrey Gerrish, Gerrish McCreary Smith Consultants, LLC

Description: Times are changing rapidly for community banks. The “trickle down” effect and the direct impact of the bailout will be critical. This must-see session addresses issues specific to community banks dealing with the financial crisis. Equally important, it examines your bank’s oppor-tunities to take advantage of the positive benefits of the bailout. This infor-mative session is designed for chief executive officers, chief financial offi-cers, and board members.

Highlights include: Understand how to thrive in the current environment Taking advantage of the bailout provisions impact-

ing community banks Taking advantage of opportunities during the current

financial crisis Raising capital Maintaining liquidity Hot button regulatory issues

FDIC Changes to Deposit Insurance Coverage & Formal & Informal Trust Accounts (Web# 102708) Presenter: Deborah Crawford, gettechnical inc.

Description: In two bold moves the FDIC changed the insurance rules for formal and informal revocable trust accounts and increased the limit for insured deposits to $250,000, a limit which was previously available only to (Continued on next page . . . )

IRAs. These changes are effective immediately. This program covers sig-nature card, documentation, and compliance issues necessary to ensure cus-tomers receive proper FDIC coverage, as well as issues involved in opening and insuring trust accounts during interim rules.

This is an opportunity to reassure customers of your expertise and encour-age the transfer of more funds to your bank. The changes may enable less traditional families to bring more deposits to your bank and avoid probate issues, too. Learn 10 need-to-know issues to properly document and open accounts for FDIC insurance purposes under the new rules. This must-attend session is a great way to train/update employees on FDIC insurance and help them answer customer questions. It is directed to customer service representatives, tellers, personal bankers, trainers, branch managers, branch administration, officers, presidents and all staff answering customer ques-tions about FDIC insurance.

Highlights include: #1 How to reassure customers that the FDIC is solvent. #2 What categories does the $250,000 limit apply to? What happens on

joint accounts, trusts etc? #3 What documentation do we need to keep on file for FDIC insurance? #4 If no degree of kinship is required, who can be a beneficiary of a trust

account? #5 When, if ever, is a trust not insured as a trust? #6 On formal revocable trust accounts, what if the beneficiaries are not

equal? What is the impact of the $500,000 and five beneficiary rule? #7 On formal revocable trusts, what happens if there is a life estate? #8 On living trusts, what happens when the trust becomes irrevocable?

What documents are needed? #9 On all kinds of trusts, what happens to FDIC coverage when an owner

or beneficiary dies? #10 How to provide resources and reassure customers these changes are

good. FDIC Insurance: Top 10 Reasons Your Customer Might Not Be Fully Covered and How to Avoid Them (Web# 082008) Presenter: Deborah Crawford, gettechnical inc.

Description: With difficult economic times and heightened media cover-age of the financial industry, customers are asking more questions about FDIC insurance coverage and the safety of their money. Conducting a de-posit insurance self assessment with your customer will help answer these questions. Proper execution of account titling, signature cards, and resolu-tions is critical in ensuring that the customer is properly covered under the

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FDIC deposit insurance policies and guidelines. Understanding the connec-tion between ownership and FDIC insurance coverage is essential to know-ing if the account is adequately covered. This seminar reviews ten reasons your customer might not be fully insured and how to avoid them. It is di-rected to customer service representatives, tellers, personal bankers, branch managers, branch administration, officers, presidents, and all employees who may answer customer questions about FDIC insurance.

Highlights include: Resources available for customers Addressing customer concerns Do you have corporations with more than $100,000? Are your nonprofit organizations set up as “personal accounts?” Sole proprietor accounts that are counted for business insurance Has your customer signed “personally” on signature cards? Does you have Certificates of Deposit with “mixed conjunctions?” Is POD in the “title” of the account? Does the POD designation have a “qualifying beneficiary?” Do you have joint accounts that are trusts or corporations? Employee benefit plans that are uninsured deposits for top employees Unclear signature cards that default to “individual”

Fee Income: O Wherefore Art Thou? (Web# 091108) Presenter: Lee Wetherington, Goldleaf Financial Solutions

Description: Fact #1: Compared to big banks, community banks

rely heavily on net interest margins. Fact #2: Net interest margins are at a 19-year low. Fact #3: To maintain fee income, community banks

have historically relied on mortgages. Fact #4: Mortgages are declining and will continue

to decline sharply through EOY 2009.

So, what should your bank do? Should it change its products/services mix; change the way it sells existing products and services; or both? Which products and services will generate fee income in the face of the free-everything trend? What is growing and where are the best opportunities – overdraft protection and NSFs, ACH e-checks, back office check (BOC) conversion, or secure vault payments (SVP)? Are there opportunities with debit, pre-paid, or gift cards? What about fees from remote deposit and other commercial services? Learn to master the trends, opportunities, and challenges in building non-interest fee income. This seminar is designed for bank officers and staff responsible for developing, deploying, and mar-

keting strategic technology initiatives and services that bolster both non-interest fee income and core deposit acquisition — including electronic pay-ments, ACH, card, online cash management, and remote deposit.

Highlights include: Fee income challenges: trends, statistics, and projections Best fee income opportunities: products, services, and strategies Payments on the rise: cards, e-checks, remote deposit ROI, and e-

commerce Product strategies (market share) vs. sales solutions (market penetra-

tion) Flood Compliance: Getting It Right! (Web# 091808) Presenter: Andrew Meinhold, Brode Consulting Services

Description: Mother Nature often does not play fair. Devastating storms that threaten life and property seem to come every year, and 2008 has cer-tainly been an extreme year! Banks play a vital role in ensuring that the provisions of the National Flood Insurance Program are carried out, and regulatory agencies are paying closer attention than ever. Although flood compliance can be complicated, the requirements are clear-cut. But exam-iners continue to find areas of weakness within banks. Violations can re-sult in findings, as well as monetary penalties. Designed for lenders, loan processors, compliance officers, and auditors, this session discusses the “dos and don’ts” about how to get it done correctly.

Highlights include: What loans are covered by this regulation? Flood determinations: complete, accurate, and timely Flood notice for flood properties; timing is imperative Flood insurance: how much is enough? Force placing insurance: what are the bank’s procedures? Tools to make flood compliance easier: a checklist & review worksheet An update on the status and content of the proposed Interagency Ques-

tions and Answers Regarding Flood Insurance Frontline Skillworks: Bank Secrecy Act Basics (Web# 100908) Presenter: Jennifer McCollough, Compliance Services Group

Description: Bank secrecy and anti-money laundering rules have grown well beyond Currency Transaction Reports. Today, you must not only track cash transactions, you must also know your customers (or know how to properly identify those you don’t). You must be able to identify suspicious behavior and know when and how to report it. At the same time, you need to provide good customer service, which may (Continued on next page . . . )

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include exempting well-known customers from the CTR process. Failing to properly handle these requirements can result in severe penalties for you individually and for your bank. This session covers the basics of the Bank Secrecy Act and discusses elements of a strong anti-money laundering pro-gram. It is best suited for customer-contact personnel, including new de-posit account representatives and loan officers, customer service representa-tives, tellers, supervisors, compliance officers, and audit staff.

Highlights include: Currency Transaction Reports (CTRs) – when they must be filed and

common mistakes Exemptions – who can be exempted and what are the procedures? Monetary Instruments Records – which transactions must be recorded? Suspicious Activity Reports (SARs) – what to watch for and key report

information Customer Identification Program

(CIP) – what information to col-lect, what to verify

Written BSA/AML Program – minimum requirements to avoid problems in an examination

Valuable training certification! Upon request, your bank will be pro-vided a letter of certification which will serve as proof to auditors and examiners that your staff has been trained in BSA/AML issues.

Handling Powers of Attorney on Deposit Accounts (Web# 102108) Presenter: Deborah Crawford, gettechnical inc.

Description: Don’t let this happen to you! A customer service representa-tive allowed the son of a deceased customer to withdraw all funds out of the account under a power of attorney. Now the bank has been notified by the estate, that the $200,000 withdrawal should be returned! The bank found itself in the middle of a lawsuit and it is anybody’s guess who will win. What is a power of attorney? How long can a power of attorney act? Can powers of attorney change account ownership to benefit themselves? This program will look at the power of attorney document and authority both on the signature card and documents from the outside the bank. Directed to customer service representatives, personal bankers, branch managers, branch administration, trainers, and employees who deal with legal docu-ments, this session is essential to understanding the procedures your bank can put into place to prevent potential legal action and losses. Highlights include: Agents, authorized signers, and convenience signers on signature cards Outside power of attorney procedures

Durable powers of attorney Affidavits on powers of attorney Military powers of attorney When does a power of attorney cease? How can customers revoke a power of attorney? Can a power of attorney endorse treasury checks? How should a power of attorney endorse a check? Can you place a power of attorney on a business account? Living trust?

Health savings account? State law issues that might impact your bank State law grid with your state statutes referenced

Handling Returns in the New Payments Environment Presenter: Wendy Wishon, Mid-America Payment Exchange (Web# 082608)

Description: Payment systems (checks and ACH) are in a constant state of change, so banks must adapt and react rapidly. Checks aren’t always checks anymore – they can be images or even ACH transactions. Under-standing the varied rule sets is even more challenging. Get the information you need to appropriately handle return items, no matter which payment system is used to collect. Learn how to identify the proper return codes and methods to ensure you don’t make costly mistakes resulting in losses for your bank. Understand the key differences between payment systems and how returns are affected with this session designed for compliance, opera-tions, bank officers and staff responsible for handling payments and returns.

Highlights include: Overview of the check/image and ACH payment systems Discuss return time deadlines required by rules and laws Compare and contrast check returns versus image item returns Identify appropriate return codes for ACH entries Case studies – you make the call

Head Teller Development: Communication Essentials Presenter: Ann Brode, Brode Consulting Services (Web# 090408)

Description: One of the greatest challenges supervisors encounter is devel-oping the skills to successfully manage people. In fact, 85% of a supervi-sor's long-term success depends on “people management” skills. Often there is an assumption that these skills are inherent with the title of supervi-sor. But, that is not the case – the skills to successfully develop and moti-vate a staff to high levels of performance are learned. This session covers how to develop an open communication culture that will bring out the best in everyone…and it all begins with communi- (Continued on next page . . . )

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cation! This session provides supervisors with an opportunity to enhance and develop their communication skills to become a more effective part of the management team. It is designed for head tellers, teller supervisors, and staff trainers. It is equally beneficial for any supervisor or manager in the bank.

Highlights include: Keeping communication open and positive in your office Setting and communicating office goals and the tools to utilize Giving feedback to improve performance Corrective feedback can also motivate Resolving workplace “issues” Managing and communicating change

Home Equity Loan & HELOC Compliance (Web# 082108) Presenter: Ann Brode, Brode Consulting Services

Description: Home equity lending . . . is home equity lending . . . is home equity lending. Not so! Home equity products are popular and it pays to get them right for the consumer and for the regulators! Depending on whether the loan is close-ended with a payout term or open-ended with a draw and payout period, home equity products can be vastly different and compliance regulations affect them differently as well. This program cov-ers home equity lending from application through closing, including simi-larities and differences between open-ended and close-ended requirements. This session is designed for compliance officers, auditors, lenders, loan processors, marketing officers, and those responsible for advertising.

Highlights include: Compliance issues that begin at time of application Reg Z disclosures for both term home equity and open-ended home eq-

uity loans A checklist to assure your HELOC disclosure is complete and accurate Advertising rules for both types of loans How and when RESPA applies Other compliance issues that affect these loans

Hot Compliance Issues in Product Regulation (Web# 082808) Presenter: Karen Neeley, Cox, Smith, Mathews

Description: Innovation! New products to meet customer needs! While these may fit nicely into a bank's strategic plan, consumer advocates and regulators are pressing for increased consumer protections and limitations. This program will identify several of the most important compliance devel-opments in bank products in a quick, practical overview. Designed for com-

pliance officers, cashiers, chief operations officers, and IT, this session will also help you identify products that could earn the bank more fee income!

Highlights include: Recent developments in overdraft privilege regulations Traps in the Fair Credit Reporting Act regarding handling customer

disputes “Reward” checking programs and Regulation DD issues Electronic delivery of disclosures and “best practices” for E-SIGN Stored-value card developments in Regulation E

How to Roll Out Remote Deposit Capture (Web# 080708) Presenter: Lee Wetherington, Goldleaf Financial Solutions

Description: The decisive question isn’t whether to roll out remote deposit; it’s how to roll out remote deposit. After only four short years, over half of all banks offer remote deposit capture. Yet deployments to businesses have been relatively slow, with the vast majority being done by a small minority of high-performing remote deposit banks. Learn what differ-

entiates these high-performing remote deposit banks from the rest. If you want to jump start, revive, or energize your remote deposit service, this is the session for you. Learn best practices used by the highest performing remote deposit banks. Master the art of targeting the right prospects in the right way with this program designed for senior bank management, calling officers, and operations staff responsible for developing, deploying, and marketing strategic technology initiatives involving electronic payments, cash management services, and core deposit acquisition.

Highlights include: What’s at stake: current and projected business adoption of remote de-

posit Rolling out remote deposit: expectations, surprises and lessons learned Community banks and remote deposit: what works, what doesn’t Marketing remote deposit: who to target, how to sell Next-generation remote deposit: what it is, how it works, and why it

matters Back Office Conversion (BOC): turbo charging remote deposit Risk and remote deposit: hype versus reality Bonus take-aways: remote deposit ROI calculator, marketing plan out-

line and demo checklist

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and trademarks. Situations where filing a UCC-1, taking possession, or ob-taining a third-party control agreement is required for perfection are also addressed. This program is for all loan officers, loan operations personnel, credit administration personnel, and others involved in the credit process.

Highlights include: Creating the security interest – the important terms Methods of perfection – how to perfect in UCC and non-UCC collateral Different types of collateral – when is possession, filing, or third-party

control required? Priority of competing security interests – how to create a purchase

money security interest with priority Perfecting a security interest after acquired property and proceeds of

collateral Regulators & Impaired Loans (Web# 081908) Presenter: S. Wayne Linder, Young & Associates, Inc.

Description: A recently issued Financial Institution Letter (FIL) “Managing Commercial Real Estate Concentrations in a Challenging Envi-ronment” (FIL-22-208), dated March 17, 2008, relates to the commercial real estate crisis and the melt-down of collateral values for many CRE pro-jects. Additional regulatory statements have been made about the residen-tial mortgage market and particularly about home equity loans. Directed to senior management, board of directors, auditors, loan review personnel, risk managers, loan officers, and credit analysts, this seminar will assist you in addressing regulatory issues regarding impaired loans and establishing poli-cies and procedures relating to the identification, classification, and han-dling of these loans.

Highlights include: Definition of an impaired loan Estimating losses Proper classification of loans

Identifying repayment source Expected performance evaluation Market analysis Collateral coverage Treatment of guarantees in the classification process

GAAP application for past due loans Watch-list guidelines Loan modification/forbearance agreements Troubled debt restructuring OREO properties

Network Scanning for Community Banks (Web# 081408) Presenter: Dr. Kevin Streff, Secure Banking Solutions

Description: Every day cyber criminals are scanning your network for cus-tomer and financial information to steal. The Gramm-Leach-Bliley Act requires community banks to periodically perform vulnerability assess-ments and penetration tests of your computer systems/networks to identify and remediate common vulnerabilities that cyber criminals may exploit. State and federal bank regulators will look for evidence that your bank has completed these activities and taken action. Learn the information you need to get real value out of penetration testing and vulnerability assessments. Whether you are doing these in-house or hiring an external firm, learn how network scanning is done; the best ways to perform scans; easy techniques to keep your network safe; how to write and read a scanning report; and where to find remediation advice. This session is designed for IT person-nel, information security officers, IT committee members, internal auditors, audit committee members, head of operations, and board members. It will also benefit non-technical staff involved in hiring the network scanning company or reviewing their findings and recommendations.

Highlights include: Regulatory requirements with network scanning, penetration testing,

and vulnerability assessments Common network vulnerabilities How cyber criminals exploit the vulnerabilities Define what penetration tests and vulnerability assessments are and

how they identify common network vulnerabilities Review penetration tests and vulnerability assessments to identify and

remediate vulnerabilities Discuss how often your bank should complete a vulnerability assess-

ment or penetration test Tips for selecting a vulnerability assessment and penetration testing

vendor Tools that are available to help

Proper Perfection of Security Interest in Collateral (Web# 090908) Presenter: Elizabeth Fast, Banker’s Choice

Description: Lenders must properly perfect their security interests to pro-tect their lien priority in collateral. Making a mistake in the perfection proc-ess generally results in large losses to the lender. Learn how to properly perfect a security interest in all types of collateral including deposit ac-counts, stocks and mutual funds, equipment, inventory, accounts receivable, general intangibles and farm products, as well as non-UCC collateral such as real property, vehicles, certificate of title collateral, airplanes, patents,

CD Rom Training Catalog Volume 10-08

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Reporting Your Credit Data: EOSCAR & Federal Compliance Presenter: Greg Souther, Greg Souther Consulting & Seminars (Web# 082708)

Description: Whether you report to one or all four National Credit Report-ing Agencies (CRA), you are required to comply with the Fair Credit Re-porting Act and the FACTA amendment. It's not what you know that will hurt you — it's repolluting the consumer’s file that can cost your bank. This seminar reviews federal requirements, the new E-OSCAR, and use of the METRO-2 format. Also covered are the pros and cons of reporting to more than one CRA and why you should run quality checks on that data to ensure it is correct and that you are in compliance. The changes to FACTA impact all staff dealing with consumers and credit reporting information. This informative session is for branch managers, assistant branch managers, customer service representatives, con-sumer lenders, compliance officers, col-lectors, and trainers.

Highlights include: Review differing guidelines for

reporting to Equifax, Experian, Innovis, and TransUnion

Reporting your information monthly using the METRO-2 for-mat

Using E-OSCAR to view and respond to consumer disputes (ACDV responses)

Using E-OSCAR to create and submit interim maintenance requests (AUDs) for previously reported tradelines

Your responsibilities under the FACTA-Red Flag guidelines as a Data Furnisher

Reviewing your tradeline information for compliance and to reduce risk Surviving a BSA Exam (Web# 092508) Presenter: Bryan Bradley, Young & Associates, Inc.

Description: Now more than ever before, surviving and passing a BSA exam is vitally important. The days of the “surface” BSA exam are long forgotten. Over the last several years, banks have experienced comprehen-sive and time-consuming BSA exams. Some might even classify them as intrusive.

While the bank cannot predict or control its examiner’s agenda, it can take diligent steps in advance to ensure success. A primary element for success is preparation. Even more importantly, an examiner’s perception of the bank’s response to issues can directly affect the exam outcome. This ses-

sion addresses key factors for your bank to consider for surviving its next BSA exam, with special focus on elements within your control. Examiner “hot buttons” relating to BSA programs are covered, as well as suggestions on how to effectively manage the exam process to further ensure success. This program is designed for BSA officers, compliance officers, and inter-nal auditors.

Highlights include: Updating the bank’s BSA/AML risk assessment Ensuring existence of compliant program elements Responding to the examiner’s request list Managing the exam Following through on exam deficiencies

Tax Reporting Issues for Non-Resident Alien Deposit Accounts: W-8BENs, W-9s, ITINs & More (Web# 102808) Presenter: Deborah Crawford, gettechnical inc.

Description: Non-resident aliens deposit accounts in the US represent a trillion dollar market, making these accounts a special focus for regulator scrutiny. Since your Bank Secrecy Act examiners will likely ask to look at your W-8BENs, this is a good time to review taxpayer documentation num-bers for IRS reporting of these accounts. When does a non-resident alien have to have an ITIN (Individual Taxpayer Identification Number)? Does every owner of the account have to have a W-8BEN? What about Canadian tax account documentation? When does the W-8 BENs have to be re-newed? How do we report interest to the IRS for non-resident aliens? Do we have to withhold for taxes? These questions and more are answered during this program for customer service representatives, personal bankers, branch managers, trainers, compliance officers and branch administration.

Highlights include: Non-resident alien versus resident alien Can the customer be a resident and a non-resident alien in the same

year? What to do if your customer is a resident alien and the spouse is a non-

resident alien When can a non-resident alien have a SSN? What is an ITIN and how does your customer get one? Does your customer have to have an ITIN on non-interest bearing ac-

counts? Form 1042, 1042S, 945 IRS requirements for reporting W9s, W-8BEN, and W-7s Special rules for Canadians

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CD Rom Training Catalog Volume 10-08

Highlights include: Overview of parties involved in letter-of-credit transactions Responsibilities and liabilities associated with letters of credit Comparison of commercial letters of credit versus standby letters of

credit Review of the UCP 600, the ISP 98, and UCC Article 5 Letter-of-credit scams

Understanding Signature Cards & Account Agreements Presenter: Deborah Crawford, gettechnical inc. (Web# 092308) Description: If you open new accounts, it may be time to take a look at your signature card, account agreement, and resolution to see what these important documents contain. While many signature cards and agreements vary from institution to institution, they have many similar components. If these documents are legal binding agreements between us and our custom-ers (and they are), what is it we have agreed to? What has the customer promised to do? Understanding these important documents and their role in the deposit side of the institution can make customer relations more consis-tent and less risky. Train all deposit personnel on signature cards and agreement issues and risk with this session designed for new account repre-sentatives, customer service representatives, branch managers, personal bankers, branch administration, retail operations, training staff, and anyone who opens deposit accounts or manages this function. Highlights include:

Legal ownership of accounts W-9 requirements Legal issues of checks: post-dated,

state-dated, rights, and liabilities What happens when your signature card/

account agreement is incomplete? The signature card/agreement and check

legends, powers of attorney, and other outside documents

Your signature card/agreement and the right of offset, closing accounts, and lawsuits

The danger of altering or making changes to existing account agree-ments (whiteout, lining through, etc.)

UBPR: Understanding & Improving Bank Performance Presenter: Gary Young, Young & Associates, Inc. (Web# 103008) Description: Improve your bank’s performance through an understanding of banking ratios. Nothing provides better information than the Uniform Bank Performance Report (UBPR). Techniques for improving performance are important in all economic cycles, but critical in this one. Understand the differences between your bank, your national peers, and/or any local bank. Use this information for strategic planning or daily decision-making to add profitability, improve liquidity, improve asset quality, etc. This prac-tical program is designed for management and the board of directors. It gives information you can use immediately and provides an excellent train-ing for your board of directors in fulfilling the responsibility of overseeing bank performance.

Highlights include: Examine your bank the way regulators do Obtain the UBPR for your bank and com-petitors Understand and improve bank profitability Compare asset quality with others Take a look at liquidity Build an easy-to-use model for graphing historical ratio relationships

Understanding Letters of Credit: Rules, Responsibilities & Liabilities (Web# 080608) Presenter: Elizabeth Fast, Banker’s Choice Description: Letters of credit remain a mystery to many bankers. Com-mercial letters of credit are commonly used to facilitate the purchase and sale of goods; standby letters of credit are commonly used to secure obliga-tions. More recently, they are used as a substitute for surety bonds, work-ers’ compensation insurance, construction contract bonding, governmental licenses, purchase price holdbacks, and environmental cleanup obligations. There is substantial liability and risk to a bank which issues a letter of credit. Revisions were made to the Uniform Customs and Practices for Documentary Credits, effective July 1, which created the new UCP 600 (2007 Revision). This seminar, which covers the basic rules of all letters of credit and general rules of the new UCP 600, ISP 98, and UCC Article 5, is directed to all staff involved in issuing, processing, or accepting letters of credit.

CD Rom Training Catalog Volume 10-08

Ordering Instructions

1. COMPLETE THE DEMOGRAPHIC INFORMATION BELOW: Name: Financial Institution: Mailing Address: City: State: Zip Phone: Fax: E:mail: 2. PROVIDE THE PREFERRED PAYMENT METHOD (CHOOSE ONE): Mail order and check made payable to:

Louisiana Bankers Association P.O. Box 2871 Baton Rouge, LA 70809

Fax order form and credit card information to (225) 343-3159.

(If paying by credit card, this form will serve as your receipt. Charges will appear on your statement from Louisiana Bankers Association.) Circle card type: MasterCard VISA Card number: Total amount: $ Exp. Date: V-Code: Cardholder Signature:

For questions call (225) 387-3282 or e-mail laurent@lba.org.

3. MARK THE CDS YOU WISH TO PURCHASE & ENTER THE TOTAL BELOW:

$245 each

ACH Rule Changes That Impact Community Banks: International ACH Transactions (IAT): Deadlines, March 20 & Sept. 18, 2009 #100208

Advanced Business Accts: Agencies, Escrow & Multi-tiered #081208 Analyzing HMDA Data #102308 Appraisal Compliance & Review #101508 BSA Training for the Board & Senior Management #102408 CD Accounts: Compliance, Signature Cards & Disclosures #093008 Collecting from Past Due Customers #101608 Countdown to Red Flags Compliance: Ready for Nov. 1? #090308 Dealing with Unclaimed & Abandoned Property #100708 Director Series: Ownership Issues for Directors #091608 Fallout from the Bailout: CBs Manage the Econ. Environment #101708 FDIC Changes to Deposit Insurance & Trust Accts #102708 FDIC: Top 10 Reasons Customers May Not Be Covered #082008 Fee Income: O Wherefore Art Thou? #091108 Flood Compliance: Getting It Right! #091808 Frontline Skillworks: Bank Secrecy Act Basics #100908 Handling Powers of Attorney on Deposit Accounts #102108 Handling Returns in the New Payments Environment #082608 Head Teller Development: Communication Essentials #090408 Home Equity Loan & HELOC Compliance #082108 Hot Compliance Issues in Product Regulation #082808 How to Roll Out Remote Deposit Capture #080708 Network Scanning for Community Banks #081408 Proper Perfection of Security Interest in Collateral #090908 Regulators & Impaired Loans #081908 Reporting Your Credit Data: EOSCAR & Fed. Compliance #082708 Surviving a BSA Exam #092508 Tax Reporting Issues for Non-Resident Alien Deposit Accts #102808 UBPR: Understanding & Improving Bank Performance #103008 Understanding Letters of Credit #080608 Understanding Signature Cards & Account Agreements #092308

Total # of CDs _____ x $245 = $______ Amount due