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July 7, 2009 - Opening Deposit Accounts for Foreign-Born Persons Presented by Mary Beth Guard and Ken Golliher    When opening deposit accounts for foreign-born individuals, a banker must understand the different categories of legal status, from naturalized citizen to illegal immigrant, and how the status can impact the type of identifying documents available and the process for verifying identity. In addition to fulfilling the CIP requirements, a banker must also obtain the
correct TIN for IRS purposes and have the customer fill out the appropriate certification form, whether W-9, W-8BEN. In this webinar, Ken Golliher and Mary Beth Guard guide you through the complex and sometimes confusing requirements.
July 14, 2009 - Understanding Loan Documents Presented by Jack Holzknecht  Do you understand exactly what the language in your loan documents -- application form, deeds of trust/mortgage deed, promissory note, etc. -- says? Could you explain it to a coworker or borrower? Simple things like the pronouns we use to help make things simpler can confuse customers and bankers alike. Throw in a term like "set off" and you can see why understanding loan documents can be a real challenge. Jack Holzknecht has the answers and will give you the lexicon you need to shed light on the legal terms and words of art often found in these essential banking documents.
July 21, 2009 - Freebies, Bonuses, Contests - Marketing Rules We All Must Follow Presented by John Burnett and Andy Zavoina   Can your marketing department promote your new business checking account with a cash incentive? Will paying a reward when a customer uses your bill payment service run afoul of Regulation Q? Can you enter your new CD customers in a drawing for a new car? Can your employees buy tickets for a pie raffle when the money is for a charity? Spend two hours with Andy and John as they provide the answers to these questions and many more?
July 22, 2009 - Protecting the Bank from Loan Modification and Foreclosure "Rescue" Scams Presented by Richard Hagar  Foreclosure rescue and loan modification scams are increasing mortgage delinquency and foreclosure rates and can drain your profits. Your own bank employees could be unknowingly enabling the scammers and exposing your bank to losses through civil suits. The first step in combating the problem is understanding how these scams operate. Join industry expert Richard Hagar to get the information you need to help your borrowers and your staff avoid being sucked in by rescue scams.
July 23, 2009 - New Headaches in Auditing Residential Real Estate Loans - Changes to RESPA & Regulation Z Presented by Patricia Cashman  Are you planning to pull your residential real estate compliance audit workpapers out of the file, dust them off and repeat your audit program from last year? Not if you've been paying attention, you won't! There have been significant changes to both the Fed's Regulation Z and HUD's RESPA regulation, and they both demand that your work program be updated to accommodate those changes. There are new requirements for early TiL disclosures, disclosure and redisclosure timing changes, and major RESPA
upheavals in the mortgage application process and disclosure forms, just to mention a few significant changes. Find out what you need to do to your audit program to adapt to these regulatory changes. Attend Pat Cashman's webinar. It will be just the cure you need for the "New Headaches in Auditing Residential Real Estate Loans -- Changes to RESPA & Regulation Z."
July 28, 2009 - Preparing For Your Next On-site BSA/AML/OFAC Examination Presented by Ken Golliher You know your regulator will eventually be stopping by to evaluate your institution's BSA/AML compliance program. This webinar focuses on the idea that by actively preparing for that examination, not just waiting for it, you may be able to improve the results. It addresses such things as staying abreast of regulatory hot buttons, reviewing the results of the previous examination, responding to the pre examination questionnaire, the first on site meeting, identifying contact personnel, and a variety of other things you can do to prepare for the inevitable and make certain the evaluation you receive is accurate.
July 29, 2009 - Funds Availability and Reg CC Presented by John Burnett Do you and your tellers know how to identify a local check in a customer deposit? Are you aware that "local" probably takes in a lot more territory today than it did just last year? Do you know how to handle questionable "official checks" when customers bring them in? Do you know when your bank should be providing information about substitute checks to depositors? Get the latest information on the Fed's consolidation of check processing and its effects on funds availability, guidance on what you can and cannot do when dealing with questionable items, and help dealing with "case-by-case" and exception holds in this practical review of the details of Regulation CC.
August 3, 2009 - Regulation Z - New Advertising Rules Presented by Jack Holzknecht and Mary Beth Guard Major changes to Regulation Z will affect all of your advertising of residential mortgage-secured loans starting on October 1, 2009. There are changes affecting what must appear in your ads and where some of the information must appear. There are also significant new rules concerning things that cannot appear. It's time to review and start revising all of your home equity line and closed-end mortgage loan ads so that you can meet the compliance deadline. Join Jack Holzknecht and Mary Beth Guard in this important two-hour webinar, to get all the information you'll need to keep your institution's mortgage loan advertising program in compliance.
August 4, 2009 - New Regulation Z - Limitations and Prohibited Acts and Practices Presented by Jack Holzknecht and Mary Beth Guard This is a busy year for real estate lending changes! Regulation Z has been amended to impose many new restrictions on lending practices and new disclosure rules for loans secured by a borrower's dwelling, and some of the changes will be effective as soon as this summer and fall. The new rules affect virtually every phase of mortgage lending, from application to
arranging for an appraisal, from underwriting to pricing, from payment processing to escrow, and even to handling late charges and payoff requests. Jack Holzknecht and Mary Beth Guard's webinar will give you the information you need to keep your institution in compliance with all of these new rules.
August 5, 2009 - Combating Internal Fraud before it happens Presented by Barry Thompson  If your management team thinks your bank is safe from internal theft, tell them a story or two. Ask them if they heard about the Indiana credit union ripped off by a teller for $7 million. Or describe how collusion between a loan officer, appraiser and real estate agent can result in huge fraud losses. Insiders defraud banks because they can. They learn where controls are weak and oversight is lacking. Barry Thompson's webinar, Combating Internal Fraud before it happens, can help you "wake up" complacent management and create an environment designed to identify and prevent attempts by insiders to defraud your bank.
August 10, 2009 - Regulation Z - Escrow Requirements Presented by Jack Holzknecht and Mary Beth Guard The effective dates for compliance with a major overhaul of Regulation Z's mortgage loan provisions are fast approaching. The new rules will require that escrows be established and maintained on higher-priced mortgage loans.
The new requirement will affect lenders whether or not they have any experience with mortgage loan escrow requirements. The new escrow rules are effective April 1, 2010. Attend Jack Holzknecht and Mary Beth Guard's "New Regulation Z -- Escrow Requirements" webinar and get all the information you'll need to get your lenders and mortgage processing staff ready for these significant changes.
August 12, 2009 - Required Licensing or Registration of Loan Originators Presented by Richard Hagar Will all of your bank's mortgage loan originators be licensed or registered by 12/31/2009? The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE), proposed federal regulations and a host of state legislation and rules include licensing and registration mandates, and your staff isn't exempt. Will there be time enough for any background checks, training hours and testing that have to be completed? Banks with unlicensed or unregistered originators after year-end risk cease and desist orders and monetary penalties. Get the details on the new requirements and their effect on your mortgage lending program in this critically important webinar.
August 19, 2009 - Information Security in Today's World Presented by Susan Orr  What shape is your information security program in? Does it address the patchwork of federal and state rules that can affect your institution? Is it kept current to account for new threats, changes in products or services, and changing regulatory expectations? Get up to date on this ever-changing environment and get the information you need to get your information security program whipped into shape in this important two-hour webinar presented by Susan Orr.
September 1, 2009 - Analyzing HMDA Data Presented by Jack Holzknecht Your bank may spend untold hours collecting, recording, correcting and reporting data for its annual HMDA submission. Shouldn't you be able to make use of the data for something other than satisfying a filing deadline? Your
HMDA data -- and your competition's data -- provide a goldmine of information that you can analyze to detect clues of Fair Lending and other compliance violations, uncover key marketing information, and track pricing trends, for starters. You don't need sophisticated analysis tools or hundreds of staff-hours to get the job done, either. Don't waste all the effort it took to pull your data together. Join Jack Holzknecht for this webinar and get the tools you'll need to find the value in HMDA data reports.
September 8, 2009 - Refining Records Management and Retention Presented by Carl Pry  Do your records management procedures help you or hinder you? Are you keeping records that you should and can legally destroy? A well designed records management program can pay dividends in saved storage and retrieval costs and keep your bank out of trouble with regulators and the courts. Carl Pry's webinar, Refining Records Management and Retention, will provide the guidance and information you need to analyze and reorganize your nstitution's records management program so that it works FOR you instead of AGAINST you.
September 15, 2009 -Identifying and Preventing Mortgage Loan Fraud Presented by Richard Hagar The FBI's case load of real estate and mortgage fraud has increased 1,600% since 2001. More than 68,000 mortgage fraud SARs were filed in 2008 and the count will likely top 90,000 in 2009. In this training session we will explain the top 15 real estate and mortgage frauds brought to your institution's front door. Learn the telltale signs of fraudulent loan deals so you can help your institution avoid getting burned!
October 5, 2009 -Vendor Management and Oversight: Developing and Implementing a Comprehensive Program Presented by Susan Orr Who are the vendors your institution pays on a regular basis to help keep it in operations? A good starting point is a list from your Accounts Payable system. How are all those vendors managed? Do you know how many of those vendors have access to bank or customer information in its various forms? Do you have a Comprehensive program for vendor management and oversight? Join
Susan Orr as she reviews what your vendor management plan should include to address the due diligence, risk assessment and ongoing oversight requirements imposed by a growing list of federal and state laws, regulations and guidance. You'll receive the information you need to more effectively manage your institution's vendors.
October 7, 2009 - Compliance from the Loan Officer's Perspective Presented by Carl Pry Are you looking for compliance training that is relevant for your lenders? Are regulation-focused sessions getting dazed stares and poor results? Carl Pry's transaction-based compliance webinar is what you're looking for! Following lending transactions from application to closing and beyond, Carl will make compliance relevant to your lending staff's day-to-day responsibilities. This is the fast-paced, information-packed, and results-oriented session you need to get the compliance message across to the people who DO lending in your institution.
November 19, 2009 - How to Conduct an Interrogation Presented by Dana Turner  Whether you're a human resources manager trying to get to the bottom of a harassment claim, a security officer going after a fraudulent check "perp" or a debit card claims investigator digging for the truth behind a series of
suspicious transaction claims, you'll be glad to get the invaluable techniques and strategies that Dana Turner shares in his presentation, "How to Conduct an Interrogation."
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