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Package Your Training

We understand our clients have unique business requirements, so we created flexible training packages to best meet the needs of your financial institution.

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  1. 2021-09 September – Board Member Basics

    This session will explain your regulatory responsibilities and liabilities. In addition, we will discuss how to make informed decisions as you prepare for your next regulatory exam.

    20 Minutes

    Series: Directors Education Series

    Course Type: Webinar

  2. 2021-08 August – New Ability-to-Repay (ATR) and Qualified Mortgage (QM) Rules

    The CFPB has updated amended its rules on criteria for certain consumer-purpose mortgage loans to be protected from legal action, called the “Qualified Mortgage” rules. This is due in no small part to the expiration of the so-called “GSE Patch,” which allowed some loans with excessive Debt-to-Income (DTI) ratios to qualify. This test has been replaced with a pricing standard dependent on the loan’s APR. As well, a new category of Qualified Mortgages, called “Seasoned QMs,” has been introduced, which will allow for loans with three years’ of good payment history to gain the protections. We’ll discuss these requirements and how they may impact your institution. This is due in no small part to the expiration of the so-called “GSE Patch,” which allowed some loans with excessive Debt-to-Income (DTI) ratios to qualify. This test has been replaced with a pricing standard dependent on the loan’s APR. As well, a new category of Qualified Mortgages, called “Seasoned QMs,” has been introduced, which will allow for loans with three years of good payment history to gain the protections. We’ll discuss these requirements and how they may impact your institution.

    Covered Topics
    - New Qualified Mortgage (QM) Rules
    - Types of Qualified Mortgages
    - Revised Qualified Mortgage (QM) Rules
    - The “GSE Patch”
    - New Seasoned QM Rule
    - Seasoned QM Requirements

    Series: Directors Education Series

    Course Type: Webinar

  3. 2021-06 June – Best Practices for an Effective Review of Your Bank’s Call Report

    As a member of the Board of Directors, your role in the process of authorizing the release of the quarterly Call Report to the FDIC is not insignificant. Learn about the best practices for a director's review and approval of the Call Report to include an assessment of the key schedules to focus on and the questions to ask of your preparation team.

    Covered Topics:
    1. Call Report Policy
    2. Inquire of Management
    3. Compare Balance Sheet and Income Statements
    4. Compare Call Reports
    5. Detailed Review

    20 Minutes

    Series: Directors Education Series

    Course Type: Online Self-Paced

  4. 2021-05 May – Reduced Regulatory Financial Reporting

    This segment will provide insight into the reduced financial reporting options that have been made available to banks over the past few years. There is no question about the significance of the regulatory burden that all banks face on a daily basis. The regulators have offered several options to allow for reduced financial reporting for certain eligible banks that can make the Call Report preparation process more manageable for your accounting and financial reporting team.

    Covered Topics:
    - Section 205 of the Economic Growth, Regulatory Relief and Consumer Protection Act
    - Reduced Reporting for Banks with $5 billion and less in total assets.
    - The Community Bank Leverage Ratio
    - Reduced reporting for Bank's with less than $10 billion in total assets
    - Financial Institutions Letters 99-2020, 108-2020, and 111-2020

    20 Minutes

    Series: Directors Education Series

    Course Type: Webinar

  5. 2021-04 April – Anti-Money Laundering Act of 2020

    During this program, your directors will receive an overview of the Anti-Money Laundering Act of 2020 that was passed in 2021. It will have great implications into your future BSA programs. This session covers de-risking, a national database for beneficial ownership, higher fines and penalties for BSA and Keep Open Directives from law enforcement. It is a good update of this massive bill and will count towards your BSA Director's Training.

    Covered Topics:
    - Division F - Anti-Money Laundering
    - New BSA Purposes
    - De-Risking
    - Keep Open Orders and Other FAQs Released
    - National Beneficial Ownership Registration Awaiting Regulation
    - SAR and CTR Trends
    - Sharing Compliance Resources
    - FinCEN Sanctions and Fines

    20 Minutes

    Series: Directors Education Series

    Course Type: Webinar

  6. 2021-03 March – Issues to Consider When Modifying Loans

    With many consumers and businesses in distress due to pandemic and related financial stresses, borrowers are in trouble. As a result, your institution is likely inundated with requests for accommodations or other sorts of assistance to keep from defaulting. But compliance doesn't take a vacation; there are many requirements that must be followed when refinancing or modifying a loan. This discussion will center on those requirements so that you can be certain not to miss anything when changing a loan.

    Covered Topics:
    - Why might an existing loan be changed?
    - Disclosures
    - Flood Insurance
    - Appraisals
    - Right of Recission
    - Credit Reporting
    - HMDA, CRA, and Fair Lending
    - "Qualified Mortgage" Changes
    - Bank Secrecy Act Reform

    20 Minutes

    Series: Directors Education Series

    Course Type: Webinar

  7. 2020-11 November – Deposit Regulatory Update

    During this program, learn what has happened in the regulatory scene for deposit accounts. This program can qualify as annual training on several regulations for the Board of Directors.

    Covered Topics:
    - Regulation CC
    - Nonresident Alien Changes
    - Regulation D
    - Hemp
    - Fraud
    - Pending Changes/Updates

    17 Minutes

    Series: Directors Education Series

    Course Type: Webinar

  8. 2021-02 February – Compliance Priorities in 2021

    With 2020 behind us, 2021 will be more than just 'picking up the pieces' of COVID-19. The pandemic has fundamentally changed many aspects of banking - accelerating certain trends and introducing others. Plus, we now have a new political environment, with a new President and Congress. All this points to a very active year in risk and compliance for financial institutions. We'll discuss how these trends will impact the banking regulatory environment: what to look forward to, what we know will be happening, and what to expect.

    Covered Topics:
    - Regulatory Changes
    - Qualified Mortgages
    - BSA reform
    - Foreclosure and eviction moratoriums
    - PPP extensions
    - Stimulus payments
    - A new political landscape
    - Renewed enforcement
    - Rules changed or repealed
    - Remote environments and digital commerce
    - Social distancing and branches
    - New technologies – Remote Online Notarization & E-SIGN
    - Cybersecurity
    - Other Priorities
    - Diversity and inclusion
    - Pressure on earnings

    20 Minutes

    Series: Directors Education Series

    Course Type: Webinar

  9. 2021-01 January – Policies, Procedures, and Processes – What Does the Board Need to Do?

    Your Board is responsible for everything that goes on in your institution. However, the Board hires management to carry out the day to day duties. Most institutions have more policies and procedures than are required. Additionally, most policies contain too many details and are actually ineffective. Policies are used by the Board to explain the "What" and the "Why". Procedures should then be developed by management to carry out the "Who, Where, When and How" of these policies. Complete this course to help you understand what policies are required and how much detail (or little) they should contain.

    Covered Topics:
    - Policies
    - Procedures
    - Processes
    - Creation, Detail, Review, Approval and More.

    20 Minutes

    Series: Directors Education Series

    Course Type: Webinar

  10. 2020-05 May – Board Secretary Procedural and Compliance Responsibilities

    Your role as Board Secretary is integral to the efficient operation of board meetings. The minutes you “scribe” are a key part of the documenting of discussions and decisions. Your minutes are utilized by many, including directors, management, legal counsel and examiners. In this program, you will find out how to master the critical responsibilities of Board Secretary.

    Covered Topics:
    - General Responsibilities
    - Director and Officer Matters
    - Agenda and Package Distribution
    - Oversight and Risk Management – What to Document in the Minutes

    25 Minutes

    Series: Directors Education Series

    Course Type: Webinar