Events

Preparing for Your Next Safety & Soundness Exam

jkinzler@ibat.org — Thu, 01 Jul 2010 09:36:31 -0500

Date: Aug 3 2010

Place: Webinar

Preparing for Your Next Safety & Soundness Exam
WEBINAR - ON DEMAND WEB LINK - FREE CD ROM
Register

Tuesday, August 3, 2010
12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

Join us to learn about credit risk and be prepared for your financial institution’s next safety and soundness examination. The topics addressed are the current issues being reviewed in depth by the financial regulators.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   Emphasis on cash flow leading to debt service coverage ratio (DSCR)
•   Guarantor analysis
•   Global DSCR calculation
•   Reappraisal policy
•   Stress testing individual loan
•   Action plans for watch list loans
•   Troubled debt restructures (TDR)
•   ALLL
•   Stress testing portfolio segment
•   Stress impact on capital

WHO SHOULD ATTEND?
This informative session is directed to senior management, chief financial officers, senior loan officers, risk managers, audit personnel, loan review staff, and loan operations managers.

MEET THE PRESENTER
S. Wayne Linder
Young & Associates, Inc.

What is that Corporate Tax Return Telling Me? (Form 1120)

jkinzler@ibat.org — Thu, 01 Jul 2010 09:42:21 -0500

Date: Aug 5 2010

Place: Webinar

What is that Corporate Tax Return Telling Me? (Form 1120)
WEBINAR - ON DEMAND WEB LINK - FREE CD ROM
Register

Thursday, August 5, 2010
12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

The corporate tax return is one of the most straight-forward and easy-to-understand tax forms that lenders review. However, Form 1120 is designed to report corporate taxable income and allowable expenses – not cash flow. As a lender, you must translate the taxable items into cash flow to determine the borrower’s repayment ability. This program will help take the mystery out of this tax return and help you quickly and reliably identify the borrower’s actual monthly cash flow. In addition, you will learn to calculate the global cash flow of the owner(s) and the business combined.

Overestimating the income from a tax return can lead you to approve a weak loan that could eventually cost you tens of thousands of dollars. Conversely, underestimating income on a tax return can lead you to deny good loans that your bank needs in this tough economy. This program will make the process of analyzing corporate tax returns simple and understandable.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   Assess cash flow from the income statement
•   Convert an Accrual Basis tax return to Cash Basis
•   Determine whether gains on sales of investments or business property are recurring or “one-time” sales to be ignored
•   Identify how much the owners are taking out of the business in salaries, dividends, and loans
•   Calculate key business ratios and global cash flow from tax returns

WHO SHOULD ATTEND?
This informative session is designed for anyone in lending, including chief lending officers, FSRs, CSRs, new accounts personnel, loan officers, loan underwriters, credit analysts, loan processors, branch managers, CEOs, and other key lending staff.

MEET THE PRESENTER
Tim Harrington, CPA
TEAM Resources

Financial Regulatory Reform: The Impact on Community Banks

jkinzler@ibat.org — Tue, 20 Jul 2010 14:54:41 -0500

Date: Aug 6 2010

Place: Webinar

Financial Regulatory Reform:
The Impact on Community Banks
WEBINAR – ON-DEMAND WEB LINK & FREE CD ROM
Register

Friday, August 6, 2010
8:00 am – 9:30 am Pacific
9:00 am – 10:30 am Mountain
10:00 am – 11:30 am Central
11:00 am – 12:30 pm Eastern

The long-anticipated financial regulatory reform is finally here. How will this 2,000-plus-page bill impact the community bank model? Join us for a specific discussion focusing on the relevant provisions of the new law as it impacts, or is likely to impact, community banks. There are numerous community bank exemptions from some of the more onerous elements of the legislation. This webinar will address these exemptions, as well as the pertinent provisions that do apply to community banks, including their effect on ongoing cost structure and operations.

HIGHLIGHTS
•    The impact on the community bank model
•    The impact on the obligation of directors and officers
•    Safety and soundness issues
•    Consumer product safety/unfair and deceptive trade practices – the rise in compliance
•    Changes in lending rules
•    Corporate governance issues applicable to community banks
•    Deposit insurance
•    Will community banks have to pay for this mess again?
•    Which exemptions apply to community banks?

WHY SHOULD YOU PARTICIPATE?
This session is a cost-effective way for your bank’s senior management team and the board of directors to gain an understanding of the specific impact of this massive financial regulation legislation. You may train as many individuals as you like for one set price. There will be no travel costs, no time lost from work, and no one will be required to leave the institution.

WHO SHOULD ATTEND?
This informative session is best suited for directors and senior management.

PLEASE NOTE: Your registration fee allows you to have one telephone connection. However, as many people as you like may listen from your office speaker phone. If you register for the webinar, your registration fee also includes one internet connection from a single computer terminal.

ABOUT THE PRESENTER – Jeffrey C. Gerrish, Gerrish, McCreary, Smith Consultants & Attorneys
Jeffrey Gerrish was Regional Counsel for the FDIC during very difficult regulatory times. Now he is Chairman of the Board of Gerrish McCreary Smith Consultants, LLC and a member of the Memphis-based law firm of Gerrish McCreary Smith, PC, Attorneys. The two firms have assisted over 1,200 financial institutions in 48 states. Jeff's consulting and legal practice places special emphasis on: strategic planning for boards; community bank mergers and acquisitions; bank holding company formation; acquisition and ownership planning for board directors; regulatory issues, including problem banks, and cease and desist matters; and compliance issues, capital raising and securities law concerns, ESOPs; and other matters of importance to community banks.

Auditing for Residential Real Estate Compliance

jkinzler@ibat.org — Thu, 01 Jul 2010 09:46:39 -0500

Date: Aug 10 2010

Place: Webinar

Auditing for Residential Real Estate Compliance
WEBINAR - ON DEMAND WEB LINK - FREE CD ROM
Register

Tuesday, August 10, 2010
12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

We all make mistakes. Therefore, it is important to conduct audits to catch any errors before the examiners find them. Your bank’s lending side has hefty safety and soundness and compliance requirements, so a lot can go wrong – especially with the new RESPA requirements! Join us to learn what examiners are looking for in residential real estate loan files, regarding both compliance and safety and soundness.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   How to pull a sample size for the audit (statistically and intuitively)
•   A “run through” of real estate loan files, including compliance regulations affecting those loans (e.g., Reg B, RESPA, Flood, TIL, etc.)
•   Coverage of the new RED FLAG guidelines and how they affect a loan
•   Auditing safety and soundness guidelines for real estate loans
•   A fair lending worksheet will be provided to help you do a spot check

WHO SHOULD ATTEND?
This informative session is designed for internal auditors, compliance officers, lenders, and loan administration and processing staff.

MEET THE PRESENTER
Ann Brode
Brode Consulting Services, Inc.

Amarillo Golf Tournament

jkinzler@ibat.org — Wed, 14 Jul 2010 15:28:16 -0500

Date: Aug 11 2010 9:00am

Place: Ross Rogers Golf Complex; Amarillo, TX

Leadership Division Golf Tournaments

Amarillo Golf Tournament - August 11, 2010 at 9am
Ross Rogers Golf Complex
WildHorse Course
722 NW 24th Street

Click here for the Amarillo Regional Golf Tournament Registration Form.
Click here for a Sponsorship Form for the Amarillo Regional Golf Tournament.

UCC Issues: What Every Lender Should Know

jkinzler@ibat.org — Thu, 01 Jul 2010 11:07:47 -0500

Date: Aug 12 2010

Place: Webinar

UCC Issues: What Every Lender Should Know
WEBINAR - ON DEMAND WEB LINK - FREE CD ROM
Register

Thursday, August 12, 2010
12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

How can your bank protect its lien priority in collateral? This session will teach your lenders how to obtain and properly perfect a security interest in UCC collateral, including accounts, stocks and mutual funds, equipment, inventory, accounts receivable, general intangibles, and farm products. Learn about situations where filing a UCC-1, taking possession, or obtaining a third-party control agreement is required for perfection.

What happens when the loan goes bad? A mistake in the repossession process can cause your bank to lose its right to go against the debtor for a deficiency and cause substantial damages to your bank. The repossession process will be covered, starting with the decision to foreclose and ending with the sale of collateral at a private or public sale.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   Requirements of UCC Article 9
•   Creating the security interest
•   Perfecting the security interest – when is possession, filing, or third-party control required?
•   How to create a purchase money security interest with priority
•   Conducting self-help repossession
•   Requirements of a “commercially reasonable” sale

WHO SHOULD ATTEND?
This informative session is useful for loan officers at all levels, loan operations personnel, credit administration personnel, and others involved in the credit process.

MEET THE PRESENTER
Elizabeth Fast, JD & CPA
Bankers Choice

Examiner Hotspots for BSA Compliance: Including April 2010 BSA/AML Exam Manual Revisions

jkinzler@ibat.org — Thu, 01 Jul 2010 11:12:25 -0500

Date: Aug 17 2010

Place: Webinar

Examiner Hotspots for BSA Compliance: Including April 2010 BSA/AML Exam Manual Revisions
WEBINAR - ON DEMAND WEB LINK - FREE CD ROM
Register

Tuesday, August 17, 2010
12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

The question many BSA officers are asking is, “Which issues in the new BSA exam manual will be a ‘hotspot’ during my bank’s next exam?” The 2010 Bank Secrecy Act, Anti-Money Laundering Examination Manual has about 100 added pages of exam procedures covering high-risk products such as IATs, RDCs, bulk cash, and more. This program will cover the recent changes – especially in light of what examiners will look for this year and next. Huge fines on Wachovia Bank also are on the horizon and the lessons learned from those issues will help provide a road map to a good examination.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   Customer due diligence and enhanced due diligence
•   Keeping risk fluid and up to date
•   Lessons learned from Wachovia
•   High-risk products and services, including new exam standards for: International ACH Transactions (IATs), remote deposit capture, and bulk cash
•   Lending activities
•   OFAC
•   Designing BSA training
•   Board responsibilities and training

WHO SHOULD ATTEND?
This informative session would best suit BSA officers, security officers, compliance officers, BSA frontline support, branch administration, and trainers.

MEET THE PRESENTER
Deborah L. Crawford
gettechnical inc.

2010 Anti-Money Laundering & Bank Secrecy Act Compliance Seminar

jkinzler@ibat.org — Wed, 10 Mar 2010 11:03:27 -0600

Date: Aug 17 2010 - Aug 18 2010

Place: Houston, TX

This two-day school covers in detail the issues and opportunities in the everexpanding environment of the Bank Secrecy Act, and reviews the entire realm of BSA from “A” to “Z”. From decades old Currency Transaction Reporting (CTR) and various recordkeeping requirements, to institutional risk assessment and client due diligence (CDD) expectations, students from the novice appointee to the tenured BSA professional will find the discussions and interactions to be of great value.

View Brochure

Lending Compliance Summit

jkinzler@ibat.org — Mon, 26 Apr 2010 15:29:22 -0500

Date: Aug 19 2010

Place: Westin Riverwalk; San Antonio, TX

Lending Compliance Summit Brochure

Thank you to our sponsors:

GOLD

SILVER

BRONZE

Deluxe Financial Services

Identifying & Resolving IT Threats

jkinzler@ibat.org — Thu, 01 Jul 2010 11:15:45 -0500

Date: Aug 19 2010

Place: Webinar

Identifying & Resolving IT Threats
WEBINAR - ON DEMAND WEB LINK - FREE CD ROM
Register

Thursday, August 19, 2010
12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

Resolving IT threats requires an effective risk mitigation strategy.

Bank customer and financial information continue to be at risk, identity theft remains a significant problem, and demonstrating compliance through a successful Information Technology examination can prove quite a challenge. Identifying IT threats involves a comprehensive IT risk assessment that considers threats from both insiders and outsiders, as well as your Information Security Program, which documents the controls management has established to mitigate the risks/threats to an acceptable level.

This webinar will provide a comprehensive framework to understand and categorize IT threats. Learn an innovative approach to perform a gap analysis of where your bank is, versus where it should be. The speaker will demonstrate how an effective risk assessment looks, and how the decisions made during the process should be documented into your bank’s Information Security Program, including risk assessment, asset management, business continuity, pandemic preparedness, penetration testing, vulnerability assessment, and IT audit.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   Step-by-step process to identify and resolve IT threats
•   Insider and outsider threats
•   Evolving and emerging threats
•   Performing a gap analysis
•   Conducting an IT risk assessment
•   Documenting a comprehensive information security program
•   Developing a risk mitigation strategy
•   Scoping the program
•   Remediating IT threats
•   Prioritizing controls that will remediate IT threats

WHO SHOULD ATTEND?
This informative session is designed for presidents, heads of operations, IT officers, risk officers, IT Committee members, information security officers, and board members.

MEET THE PRESENTER
Dr. Kevin Streff
Secure Banking Solutions

Compliance With Federal Lending Regulations and Mastering HMDA Seminar

jkinzler@ibat.org — Tue, 25 May 2010 10:37:12 -0500

Date: Aug 24 2010 - Aug 26 2010

Place: Irving, TX

This program is suitable for compliance officers, lenders, loan administration personnel and auditors. Program content is presented at the basic to intermediate levels and focuses on federal law. Attendees should be familiar with lending terms and procedures as well as the laws of their state. This is the annual review for those who realize the breadth of their task and know that, without help, they cannot read enough to keep up in this area. No advance preparation is required.

View Brochure

Medallion & Signature Guarantee Rules: Responsibilities & Liability

jkinzler@ibat.org — Thu, 01 Jul 2010 11:19:10 -0500

Date: Aug 24 2010

Place: Webinar

Medallion & Signature Guarantee Rules: Responsibilities & Liability
WEBINAR - ON DEMAND WEB LINK - FREE CD ROM
Register

Tuesday, August 24, 2010
12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

Signature guarantees are not new, but financial losses and administrative problems associated with them are increasing. Many bankers do not understand their responsibilities when guaranteeing a signature or when using a Medallion stamp. This can expose your bank to substantial liability! The FDIC mandates that all financial institutions that issue or accept signature guarantees must have effective internal controls to mitigate the losses and problems associated with signature guarantees.

Would your bank pass this test? Do you know the differences between the various signature guarantees, including the STAMP Medallion Program? Join us and learn the situations in which each type of signature guarantee is required, including analysis of the risks and liabilities each imposes on your bank.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   Distinguish among the various types of signature guarantees
•   Explanation of STAMP Medallion Program
•   Practical examples of common situations and how to handle them
•   Liability imposed on the bank and how to reduce that risk
•   Proper identification of parties
•   Questions to ask: Is signature genuine? Is signer the appropriate party? Does signer have legal capacity?

NOTE: This seminar is not sponsored by or affiliated with the STAMP Medallion Program.

WHO SHOULD ATTEND?
This informative session is designed for any staff that issues/accepts signature guarantees or participates in the STAMP Medallion Program.

MEET THE PRESENTER
Elizabeth Fast, JD & CPA
Bankers Choice

Opportunities Involving Failed Banks

jkinzler@ibat.org — Thu, 29 Jul 2010 10:34:35 -0500

Date: Aug 25 2010

Place: Webinar

IBAT
&
Subchapter S Bank Association

Opportunities Involving Failed Banks
TELEPHONE – WEBINAR – AUDIO/VISUAL CD ROM
Register

Wednesday, August 25, 2010

8:00 am – 9:30 am Pacific
9:00 am – 10:30 am Mountain
10:00 am – 11:30 am Central
11:00 am – 12:30 pm Eastern

Could another failed bank present an opportunity for you? If so, it’s important that the FDIC has a clear picture of your bank’s resources. FDIC preferences don’t consider management experience with larger institutions or capital resources outside the holding company structure. Therefore, if your bank wants to make a larger acquisition than you are paper-qualified, it is strongly recommended that you meet with the FDIC and the primary regulator. This presentation will help healthy banking institutions understand what it takes to qualify as an FDIC bidder, identify and evaluate prospects, prepare and submit a winning bid, and close the transaction.

HIGHLIGHTS
•   Opportunities and challenges of buying a failed bank
•   Bidder qualifications
•   Understanding the agreements

o Loss Sharing Agreement
o Purchase and Assumption Agreement

• Formulating a bid

o Recent successful bid amounts
o Methodologies for formulating a bid

• Performing due diligence
• Tax and accounting implications

WHY SHOULD YOU PARTICIPATE?
With 775 banks currently on the FDIC “Problem List,” it is inevitable that more banks will fail in 2010 and 2011. Learn about the opportunities available for healthy banks to profitably expand their franchises by purchasing a failed bank from the FDIC. There will be no travel costs, no time lost from work, and no one will be required to leave the institution.

WHO SHOULD ATTEND?
This is a must-attend session for the management teams of all strong banks. You may have a rare opportunity to profitably increase your bank’s footprint.

PLEASE NOTE: Your registration fee allows you to have one telephone connection. However, as many people as you like may listen from your office speaker phone. If you register for the webinar, your registration fee also includes one internet connection from a single computer terminal.

ABOUT THE PRESENTER – Tom Danielson, LarsonAllen
Tom is a Principal with LarsonAllen and specializes in banking matters. He has provided audit, tax and consulting services for community bankers for over 25 years. Tom routinely consults with bankers in the areas of mergers and acquisitions, succession planning, estate planning, capital planning, regulatory assistance, strategic planning, and internal audit assistance. In addition, Tom has a wide range of experience with fraud and embezzlement investigations.

WHAT IS A TELEPHONE/WEBINAR SEMINAR?
This training method allows unlimited listeners on your office speaker phone. By choosing the webinar option, participants will also be able to view online visuals as the presentation is delivered. Registrants receive a toll-free number and pass code that will allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials will be sent prior to the broadcast along with hookup instructions. Your pin number, hookup instructions and handouts will be emailed to you. You will need the most current version of Adobe Acrobat Reader available free at www.adobe.com.

CAN’T ATTEND THE SCHEDULED TRAINING? ORDER THE AUDIO/VISUAL CD ROM!
As an added benefit, you may purchase a CD Rom* of this presentation. The CD includes the original audio/visual presentation, the question and answer sessions, and the handouts. In addition, you will be able to contact the presenter if you have follow-up questions. Use this “off-the-shelf” training program for those that could not attend the live seminar and for future training. AFFORDABLE, PROFESSIONAL TRAINING, WHEN AND WHERE YOU CHOOSE.

*CD Rom for PC use onl

San Angelo Sporting Clay Tournament

jkinzler@ibat.org — Fri, 09 Jul 2010 09:12:45 -0500

Date: Aug 26 2010

Place: San Angelo, TX

Date: Thursday, August 26, 2010
Location: San Angelo Claybirds Association Range 12026 US Highway 67 South 325/223-1200
Time: 2:30 PM – Start Time 6:00pm – Meal & Program (Trap, skeete, 5 stand, and sporting clay ranges open at 1:00pm at shooter’s expense)
Entry fee: $85 per person Tournament open to bank employees, customers, and board members. Fee includes shells and meal. Shooters need to bring their own shotgun (auto, over/under or double barrel) and eye protection. Golf/Hunting carts welcomed. Sponsorships are available. Contact Brandon Bartek at Mills County State Bank, 325.646.0313.
Click here for the San Angelo Claybirds Registration Form.

Call Report Lending Schedules: RC-C Part I & Related Schedules

jkinzler@ibat.org — Thu, 01 Jul 2010 11:24:41 -0500

Date: Aug 26 2010

Place: Webinar

Call Report Lending Schedules: RC-C Part I & Related Schedules
WEBINAR - ON DEMAND WEB LINK - FREE CD ROM
Register

Thursday, August 26, 2010
12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

Reports of loan and credit information are essential for regulators to review the condition of your bank. Accurate classification and loan reporting is critical, but often difficult. Recent revisions have affected the loan schedules. This session covers Call Report loan classification, which determines reporting on RC-C, RC-K, RC-N, RI, and RI-B. Both new and experienced Call Report preparers and reviewers will find this training valuable.

Continuing Education: Attendance verification for CE credits provided upon request.

THE FOLLOWING SCHEDULES WILL BE COVERED:
•   RC-C Part I   Loans & Leases
•   RC-K       Quarterly Averages
•   RC-N       Past Due & Nonaccrual
•   RI 1.a       Loan Interest & Fees
•   RI-B       Charge Offs & Recoveries

WHO SHOULD ATTEND?
This informative session is directed to Call Report preparers, reviewers, and those contributing report data.

MEET THE PRESENTER
Judith Jenkins
Bank Training Services

Checklist for FACT Act 311 Risk Based Pricing Compliance: Effective January 1, 2011

jkinzler@ibat.org — Thu, 01 Jul 2010 11:27:22 -0500

Date: Aug 27 2010

Place: Webinar

Checklist for FACT Act 311 Risk Based Pricing Compliance: Effective January 1, 2011
WEBINAR - ON DEMAND WEB LINK - FREE CD ROM
Register

Friday, August 27, 2010
8 am - 9:30 am PT
9 am - 10:30 am MT
10 am - 11:30 am CT
11 am - 12:30 pm ET

The final section of FACT Act compliance guidelines/rules will be implemented on January 1, 2011. After reviewing this section you will understand why the Agencies saved this for last. As usual, you will need written policies, but this time they added several options on how to determine when and what model notice you must send in order to comply with the risk-based pricing regulations.

This webinar will include a checklist to help you implement these guidelines and determine which method (tier or proxy) is best for your bank. You will also be provided with definitions, rules, regulations, and examples of the Model Notices you are required to provide to the consumers that receive “…materially less favorable than the most favorable terms available.”

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   Which is best for your bank: the credit-score proxy method or the tiered-pricing method?
•   Review each of these methods and exceptions to the rule
•   The new and improved notice to home loan borrowers (secured by 1-4 units of real estate)
•   Using multiple credit scores and consumer disclosures
•   What must be done if the credit score is not available?
•   Auto lending notice requirements
•   Prescreened list notification requirements
•   Account review and consumer notifications
•   Rules regarding multi-party transactions
•   Examples of model notices – How soon must they be sent and does it have to be in writing?

WHO SHOULD ATTEND?
This informative session is designed for board members, officers, auditors, compliance, and lending personnel.

MEET THE PRESENTER
Greg Souther
Greg Souther Consulting & Seminars

IBAT Asset Liability Management Summit

jkinzler@ibat.org — Fri, 23 Apr 2010 10:09:07 -0500

Date: Sep 8 2010 - Sep 9 2010

Place: Dallas, TX

Asset Liability Management Summit Brochure

Thank you to our sponsor:

Subpoenas, Summonses, Levies & Other Demands for Customer Funds

jkinzler@ibat.org — Fri, 23 Jul 2010 10:21:49 -0500

Date: Sep 9 2010

Place: Webinar

Subpoenas, Summonses, Levies & Other Demands for Customer Funds
WEBINAR - ON DEMAND WEB LINK - FREE CD ROM
Register

Thursday, September 9, 2010
12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

Has your bank implemented the proper procedures for handling subpoenas, garnishments, levies, and other demands for customer funds? Most banks deal with these matters daily, but many do so without proper training. Handling these matters improperly can expose your bank to significant liability. This seminar will explain these complicated legal documents – subpoenas, garnishments, levies, summons, attachments, etc. – and the situations when they are served on the bank. Learn the necessary steps to handle these matters, such as identifying accounts, placing account holds, answering interrogatories, notifying your customer, appearing at the deposition, and remitting the funds.

Note: The speaker will address proposed federal regulations requiring banks to research recent deposits to determine if funds in the account are exempt.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•    What financial privacy restrictions are imposed on your bank?
•    What risks are imposed on the bank?
•    When are you required to notify your customer?
•    What types of funds are exempt?
•    What if your bank holds a security interest in the funds?
•    What if an account is held by more than one customer or held by a trust, sole proprietorship, corporation, etc.?
•    Use of an affidavit in lieu of appearing in person in court or for a deposition

WHO SHOULD ATTEND?
This informative session is best suited for deposit operations personnel, tellers, customer service representatives, compliance personnel, and auditors.

MEET THE PRESENTER
Elizabeth Fast, JD & CPA
Bankers Choice

GLBA New Model Privacy Notice Form – Line-by-Line Instructions: Deadline January 1, 2011

jkinzler@ibat.org — Fri, 23 Jul 2010 10:34:03 -0500

Date: Sep 10 2010

Place: Webinar

GLBA New Model Privacy Notice Form – Line-by-Line Instructions: Deadline January 1, 2011
WEBINAR - ON DEMAND WEB LINK - FREE CD ROM
Register

Friday, September 10, 2010
8 am - 9:30 am PT
9 am - 10:30 am MT
10 am - 11:30 am CT
11 am - 12:30 pm ET

Your bank must use the new model privacy notice after January 1, 2011!

The Gramm-Leach-Bliley Act (GLBA) requires banks to provide periodic customer notices regarding the bank’s information-sharing practices and the customer’s right to opt-out. Recently, the FDIC and other federal agencies released a new model privacy notice form intended to help customers easily understand how banks collect and share their personal information. The previous safe harbor provisions under GLBA will be eliminated on January 1, 2011. Therefore, your bank must use the new model privacy notice to be in compliance and maintain a safe harbor after January 1, 2011. Join us for a line-by-line review of the new model privacy notice and learn how to complete it. You will also learn how to use the online form builder to create your own form under the safe harbor.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•    Line-by-line explanation of the new model privacy notice form
•    Instructions on how to use the online form builder

WHO SHOULD ATTEND?
This informative session is designed for both deposit and loan staff, including deposit operations personnel, loan operations personnel, retail officers, commercial officers, attorneys, compliance officers, and managers.

MEET THE PRESENTER
Elizabeth Fast, JD & CPA
Bankers Choice

How to Ensure Compliance With Deposit Regulations

jkinzler@ibat.org — Tue, 25 May 2010 10:41:18 -0500

Date: Sep 14 2010

Place: Corpus Christi, TX

Eliminate confusion about how to interpret deposit compliance regulations . . . map out a step‐by‐step compliance program . . . and learn how to avoid costly penalties by attending . . .

A one‐day seminar covering up‐to‐the‐minute changes in federal deposit regulations

Deposit compliance is an increasingly complex topic that involves a significant number of employees at most financial institutions. The various federal laws and regulations relating to deposit compliance establish requirements for initial disclosures that must be given to new customers (and in some cases, upon request to inquiring non-customers), periodic disclosures after the account is opened, error resolution procedures and restrictions on advertising.

View Brochure

Opening Deposit Accounts Online

jkinzler@ibat.org — Fri, 23 Jul 2010 10:38:47 -0500

Date: Sep 14 2010

Place: Webinar

Opening Deposit Accounts Online
WEBINAR - ON DEMAND WEB LINK - FREE CD ROM
Register

Tuesday, September 14, 2010
12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

In today’s busy world, many people, including your customers, want to open accounts and transact business in a way that is most convenient for them. Therefore, now is a good time for your bank to evaluate the necessary steps, compliance issues, and risks involved with opening deposit accounts online (versus face-to-face).

How much risk is your bank willing to take? How can you manage the risk and comply with the Bank Secrecy Act’s Customer Identification Program (CIP) and Customer Due Diligence (CDD) provisions? What policy and contract changes are needed to make this work? How will online banking affect your Identity Theft Program compliance? Join us to learn about these issues and many more. Help your bank keep pace with your customer and prospective customer’s desire to open online accounts, at their convenience.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•    Evaluating the risk of opening on-line accounts
•    Identification requirements and verification procedures
•    Forms, worksheets, and policy decisions
•    Getting a game plan together
•    Placing holds and looking at special rules for new accounts
•    Signature card contracts — ownership and access issues
•    Authorized signers, powers of attorney, and other fiduciary issues
•    Identity theft issues
•    Issuing debit cards
•    Timing of federal disclosures and responsibilities

WHO SHOULD ATTEND?
This informative session will benefit customer service representatives, deposit operations staff, compliance officers, marketing staff, and training personnel.

MEET THE PRESENTER
Deborah Crawford
gettechnical, inc.

How to Ensure Compliance With Deposit Regulations

jkinzler@ibat.org — Tue, 25 May 2010 10:47:22 -0500

Date: Sep 15 2010

Place: San Antonio, TX

Handling Check Returns & Adjustments: Paper & Imaged

jkinzler@ibat.org — Fri, 23 Jul 2010 10:42:39 -0500

Date: Sep 16 2010

Place: Webinar

Handling Check Returns & Adjustments: Paper & Imaged
WEBINAR - ON DEMAND WEB LINK - FREE CD ROM
Register

Thursday, September 16, 2010
12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

Electronic-payment-transaction volume exceeded traditional paper-check-transaction volume for the first time in 2006. Is a check still a check when the item is imaged? Do the same rules apply to paper checks and image items? Knowing the answers to these questions will help ensure you are handling exception items properly. Losses become a real threat if your bank does not initiate a quick and appropriate response. Learn to respond accurately to many types of check returns and adjustments, and limit your bank’s liability and potential loss.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•    Overview of the rules and regulations governing check processing, including Check 21
•    Return and adjustment processing – how it works, the reasons, and timeframes
•    Learn how to limit your financial institution’s liability and potential loss
•    Understand how to correctly process/respond to various check exceptions, returns, and adjustments

WHO SHOULD ATTEND?
This informative session is designed for check operations staff, customer service personnel, and staff responsible for return adjustments.

MEET THE PRESENTER
Shelly Simpson, AAP
EPCOR

Director Series: Using the Uniform Bank Performance Report (UBPR) to Improve Profit & Value

jkinzler@ibat.org — Fri, 23 Jul 2010 10:49:05 -0500

Date: Sep 21 2010

Place: Webinar

Director Series: Using the Uniform Bank Performance Report (UBPR) to Improve Profit & Value
WEBINAR - ON DEMAND WEB LINK - FREE CD ROM
Register

Tuesday, September 21, 2010
8 am - 9:30 am PT
9 am - 10:30 am MT
10 am - 11:30 am CT
11 am - 12:30 pm ET

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 bank 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. Learn to use this information in strategic planning or daily decision-making to add profitability, improve liquidity, improve asset quality, etc. This practical webinar will supply information you can use immediately and will be excellent training for your board of directors to fulfill their oversight responsibility of bank performance.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   Examine your bank the way regulators do
•   Obtain the UBPR for your bank and competitors
•   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

WHO SHOULD ATTEND?
This informative session is designed for management and board members. Since the board is responsible for overseeing bank performance, an understanding of your bank’s ratios compared with peers provides an important tool in fulfilling this responsibility.

MEET THE PRESENTER
Gary J. Young, CEO
Young & Associates, Inc.

Complying with the Fair Debt Collection Practices Act (FDCPA) for Consumers & Businesses

jkinzler@ibat.org — Fri, 23 Jul 2010 10:54:50 -0500

Date: Sep 23 2010

Place: Webinar

Complying with the Fair Debt Collection Practices Act (FDCPA) for Consumers & Businesses
WEBINAR - ON DEMAND WEB LINK - FREE CD ROM
Register

Thursday, September 23, 2010
12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

The Federal Trade Commission has recommended that the debt-collection legal system should be reformed and modernized to reflect changes in technology, consumer debt, and the debt collection industry. The FDCPA was enacted in 1977 to protect consumers from abusive, unfair, and deceptive practices by third-party debt collectors. We will explore how collection industry changes have affected consumers and businesses. This law is designed for third-party collectors, but may affect your bank. If you use a collection agency, a repossession firm, a letter service, or an attorney, you need to understand this law and how to protect your bank.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•    Section-by-section review and red flags to avoid
•    Vendor management, including simple tips to protect your bank from costly litigation
•    Mandatory consumer validation notices and the required information to include
•    Consumer-disputed debt: collectors are required to conduct “reasonable” investigations
•    Why you should be informed of each investigation and the outcome
•    When can a collector contact a consumer/company and when it is expressly prohibited?
•    New requirements for collectors using new payment technologies to obtain expressed verifiable authorization from consumers before accessing their accounts
•    Avoiding statutory conflict between FDCPA and FACT Act Section 312
•    FDCPA does not prohibit collectors from communicating with consumers in foreclosure regarding possible settlement options that may help

WHO SHOULD ATTEND?
This informative session is designed for compliance officers, consumer and commercial lenders, collections staff, legal counsel, your collection agency, and anyone responsible for vendor management and risk.

MEET THE PRESENTER
Greg Souther
Greg Souther Consulting & Seminars