wyoming bankers association january 2017 · 2018-04-03 · aba training aib diploma/certificate...

Wyoming Bankers Association January 2017

Upcoming Live Conferences/Seminars/Workshops/Convention

2018 Legal Issues of New Accounts Seminar – May 8, 2018 – Ramkota Hotel, Casper, WY*

2018 WBA Agricultural Bankers Conference – May 16-17, 2018 – EWC, Torrington, WY

2018 Wyoming Bankers Convention – June 10-12, 2018 – Holiday Inn, Cody, WY

2018 Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) Training – June 19, 2018 – Ramkota Hotel, Casper, WY*

2018 WBA IRA Seminar – October 2018 – Ramkota Hotel, Casper, WY

Total Training Solutions Webinars

On Demand Webinars can be found on our website: http://www.wyomingbankers.com/?page=webinars

Core Compliance Suite: A Monthly Update

Directors Education Series - Monthly Series Available

Current Expected Credit Losses (CECL) – January 3, 2018*

Best-Ever Compliance Checklists for Consumer Loans – January 3, 2018*

CECL Methodology: The New Accounting Standard – January 3, 2018*

Basics of Banking – January 4, 2018*

Sexual Harassment – Establishing a Respectful Workplace – January 4, 2018*

Digital Marketing: Deep Dive – January 9, 2018*

Implementing Beneficial Owners on Legal Entities – January 9, 2018*

Incident Response – Plan to Fail Well – January 10, 2018*

Cash Management: How Sales, Operations, and Technology Can Work Together to Generate More Fee Income – January 10, 2018*

Opening Accounts for Nonresident Aliens – January 11, 2018*

Scrubbing and Submitting 2017 HMDA Data – January 11, 2018*

Advertising Compliance – January 16, 2018*

Loan Underwriting Mistakes – January 16, 2018*

IRA Update and Review – January 17, 2018*

CRE Appraisals: Appraisal Components, Approaches to Value Cap Rates – January 17, 2018*

Handling Loan Applications – What can go wrong? – January 18, 2018*

Online Deposit Account Opening – January 18, 2018*

Health Savings Accounts: It’s Time to Pay Attention! – January 23, 2018

Improving Employee Performance in Everyday Work Situations & Reviews – January 23, 2018*

A Business Development Officers Guide to Selling Non-Traditional Financial Products – January 24, 2018*

Your Teller Cash Drawer – Mastering the Balancing Act – January 24, 2018*

BSA/AML and OFAC – Continuing Developments – January 25, 2018*

Smart Social Media – January 25, 2018*

Teller Compliance Issues: Reg CC, UCC 3 & 4 and CTRs – January 30, 2018*

Basic Business Entities & Other Commercial Borrowers – January 31, 2018*

Dealing with Subpoenas, Summonses, Garnishments, Tax Levies, Etc. – January 31, 2018*

WBA PARTNERS WITH THE IBA TO OFFER ON-DEMAND WEBINARS

Annual Training On-Demand Webinar*

BSA for Directors On-Demand Webinar*

Certifications SBS Institute Certification Programs*

ABA Training AIB Diploma/Certificate Application*

Schools Schools of Banking – Nebraska & Kansas

Graduate School of Banking at the University of Wisconsin-Madison Seminars* Bank Technology Management School – April 8-13, 2018* Human Resource Management School – April 15-20, 2018* Community Bank Investments School – May 20-24, 2018

South Dakota Banks Association 2018 National School for Experienced Ag Bankers – June 25-29, 2018* Graduate School of Banking – July 29-August 10, 2018 Financial Managers School – September 9-14, 2018 Sales and Marketing Security School – October 14-19, 2018 Bank Technology Security School – October 21-26, 2018

*Brochure enclosed - Call Cheryl for more information at 307/638-5008 - Visit our Web site at www.wyomingbankers.com for the most current education brochure. The Wyoming Bankers Association has scholarship opportunities available with the PCBS and GSBC,

Contact Cheryl at 307-638-5008 or [email protected] for more information.

http://www.wyomingbankers.com/?page=webinars

Wyoming Bankers Association Presents…….

NEW ACCOUNT DOCUMENTATION SEMINAR MANAGING RISK WHEN OPENING NEW ACCOUNTS

Tuesday, May 8th, 2018 – Ramkota Hotel – Casper Program: 8:30 a.m. - 3:30 p.m., Lunch Included

Seminar Description Managing risk is the #1 priority for all financial institutions and it all starts at the new account desk. Well-trained bankers who recognize and stop attempted dishonest activity are the first line of defense in protecting a financial institution from fraudsters. Unfortunately, too often, new account personnel are trained "on the job" which can result in an environment of potential vulnerability and unnecessary losses. Additionally, with constant new regulations, the need for ongoing training is paramount in order to maintain diligence as well as update processes and procedures.

This full day workshop teaches vital account opening procedures, regulatory and compliance requirements while focusing on essential information needed for every new account. This includes CIP requirements such as proper identification and correct TIN but also requires understanding the fundamental questions that should be answered by every potential accountholder: What is the purpose of the account? Who owns the funds? Who will have access to the funds during lifetime and at death? Who can legally represent a business entity? The seminar manual is customized to your state law and has become known as the "technical reference handbook" for new account departments across the country.

What You Will Learn ♦ Understanding Signature Card Contracts and the Impact on an Estate Plan ♦ TIN Compliance –Thorough Discussion of SSN vs. EIN and W-9 vs. W-8BEN ♦ Proper Business Account Documentation and Resolutions

o Sole Proprietorships, General and Limited Partnerships, Corporations, LLC, and LLP, Non-Profit Associations and Charitable Organizations

♦ Account Access at the Death of a Business Owner/Signer ♦ Opening Individual Accounts; Adding Authorized/Convenience Signers or Agents ♦ Joint Accounts With Rights of Survivorship and Tenants-In-Common Without Rights of Survivorship ♦ Power of Attorneys – Using an In-House Form vs. Accepting an Out-of-House Form ♦ Formal Trust Accounts - Difference Between Revocable and Irrevocable Trusts; Opening Living

Trusts ♦ Informal Trust Accounts - Pros and Cons of POD and Revocable Trustee Accounts ♦ Opening Accounts For Minors – Joint Accounts vs. Uniform Transfer To Minors Act Accounts ♦ Estate and Court Ordered Accounts: Handling Deceased Accountholders, Guardianships and

Conservatorships

Who Should Attend All customer contact personnel, supervisors and officers whose responsibilities include opening or managing new accounts and certificates of deposit. Excellent for supervisors or officers who have recently assumed the responsibility of the new account area but perhaps have never worked in new accounts. Internal Auditors, BSA/AML Officers, and Compliance Officers will find the information exceptionally beneficial.

YOU ARE ENCOURAGED TO BRING A COPY OF YOUR INSTITUTION’S SIGNATURE CARDS AND ACCOUNT AGREEMENT TO THE WORKSHOP

Seminar Instructors Suzette (Suzie) Jones, CFP® is Managing Member of Training Resources Consulting, LLC located in Houston, Texas. Suzie is credited with writing one of the first new account documentation and compliance seminars in the country in 1978. With almost 40 years of experience in the financial industry, Suzie has focused her technical expertise on new accounts risk management. As an Executive Vice President for a large regional bank, Suzie provided overall leadership to the Investment Division’s team of 70 representing $11B in assets. She was an active member of the AML, BSA, Personal/Corporate Risk and Non-Bank Product Risk Committees. Suzie brings technical information to life with her engaging training style and in-depth knowledge. She holds the Certified Financial PlannerTM (CFP®) professional designation.


NEW ACCOUNT DOCUMENTATION SEMINAR MANAGING RISK WHEN OPENING NEW ACCOUNTS

Tuesday, May 8th, 2018 – Ramkota Hotel – Casper Program: 8:30 a.m. - 3:30 p.m., Lunch Included

Registration Form

1st Registrant: List registrant and title:___________________________________________________________

Bank/Firm Name_____________________________________Phone______________________

Address (PO Box)_______________________________________FAX____________________

City/State/Zip___________________________________________________________________

Email Address __________________________________________________________________

**************************** Additional Registrant (copy this form for additional registrations)

List registrant and title:___________________________________________________________

Address (PO Box)_______________________________________ Phone___________________

City/State/Zip___________________________________________________________________

Email Address __________________________________________________________________

REGISTRATION FEE: Member Rate: $220 per registrant Non Member Rate: $440 per registrant

PAYMENT OPTIONS: Payment by Check: mail in Send Invoice: fax registration to 307/638-5013 Send Invoice: Email registration to [email protected] Online registration: www.wyomingbankers.com

OVERNIGHT ACCOMMODATIONS: are to be handled by individual attendees. A block of rooms has been reserved for May 7 at the Ramkota Hotel Casper @ 800 N. Poplar Street, Casper, 307/266- 6000. Be sure to ask for the room rate of $79.99 under the Wyoming Bankers Assoc. Room Block. Room block expires APRIL 23, 2018.

CANCELLATION POLICY: No refunds will be made after APRIL 23, 2018~~all cancellations prior to 4/23 are subject to a $25 cancellation charge and an additional $25 cancellation fee applies to all credit card registrations. Substitutions may be made at any time. REGISTRATION DEADLINE – APRIL 23, 2018.

MAIL THIS FORM AND CHECK TO: Wyoming Bankers Association, P.O. Box 2190, Cheyenne, WY 82003 307/638-5008 FAX 307/638-5013


Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) Solutions

Tuesday, June 19th, 2018 – Ramkota Hotel – Casper Program: 8:30 a.m. - 3:30 p.m., Lunch Included

Seminar Description This program is designed to enhance the skills of your Bank Secrecy Act (BSA) and Anti‐Money Laundering (AML)

support staff, your independent audit team, and any personnel responsible for managing and maintaining a strong BSA

and AML program. Expand your staff’s understanding and expertise in some of the most critical skills they will ever possess – skills that can protect your profits in these very challenging times of tight margins and sustained high expectations! Recent exam findings indicate we need to enhance our compliance management systems!

Join us for an update to our Bank Secrecy Act fundamentals to ensure you are maintaining the appropriate program commensurate with your Bank’s program tools and techniques to match current trends. We will focus heavily on the finalized Beneficial Ownership Rules to be implemented and the FinCEN Cybersecurity resources.

As soon as we think we have the patterns pegged, the criminals quickly develop new and trickier ways to hide in plain sight! There’s been absolutely no decline in the expectation for us to perform more and more due diligence to know our customer and identify unusual or suspicious customer activity! Despite the regulatory challenges we are facing, BSA and AML expectations have not subsided. Examine the expanded, useful risk assessment and review techniques that can be gleaned from a wide variety of reliable and free resources. Learn how to immediately apply them to your high risk customers. Lots of great tools to enhance your customer due diligence program whether you think you have high risk customers or not! No need to feel overwhelmed by existing customer due diligence responsibilities (CDD) and the new beneficial ownership rules! We’ll help with some tips and tools to get your program updated and compliant.

Patti Blenden of Financial Solutions will lead our program to discover new and improved solutions to the ever‐expanding regulatory challenges. We will discuss the latest developments regarding risk assessment, criminal activity patterns indicating increased problems and the bank’s reporting responsibilities that accompany those scenarios. Join us for the review of an updated and expanded risk assessment methodology including the required elements for documenting your

bank’s risk assessment. Learn from others’ mistakes by re‐ viewing the latest BSA/AML enforcement actions and how the criminals and terrorists are expanding their use of electronic payment methods, prepaid cards and just about anything else they can get their hands on!

We will learn more tricks and tips to maximize your programs designed to comply with these very important issues facing every financial institution. We’ll learn, we’ll laugh, and we’ll vent a little. Most importantly, we’ll be ready to face the latest

version of BSA and AML challenges with a few more effective tools. Come get more great solutions and be prepared for the next level in the war against money laundering and terrorist financing.

Agenda 8:00 a.m.: Registration 8:30 a.m.: Program Featuring Patti Blenden

BSA/AML Regulatory Program Expectations Five Pillars of BSA Compliance Programs Expanded Risk Assessment Requirements Geography: Countries of Concern, HIDTAs,

HIFCAS, Bulk Currency Corridors Road Map to Success: Current BSA/AML

Exam Trends & Enforcement Actions Customer Identification Program (CIP)

Banking Foreign Customers Customer Due Diligence and High‐Risk Products and Services Enhanced Due Diligence Beneficial Ownership and Risky Business TPPP, ATM

Owners, Mobile Banking, RDC, New Payment Methods Noon: Luncheon

BBSA Recordkeeping CTRs and CTR Exemptions Monetary Instruments Suspicious Activity Reports (SARs) BSA/AML Training Other Recordkeeping

Office of Foreign Asset Control (OFAC) Program and Watch Lists

Screening Responsibilities and Match Resolution HIDTA, HIFCA, Foreign and Domestic PEPs, FBI

Most Wanted, and other Watch Lists Money Laundering and Terrorist Financing Trends

Core Money Laundering Indicators Effectively Fighting Fraud, Money

Laundering and Terrorist Financing Money Laundering Threat Assessment and Industry Trends

3:30 p.m.: Adjournment ‐ Certificate of Training

Who Should Attend Security officers, compliance officers, private or contract fraud and financial crimes investigators, auditors, training managers are all encouraged to attend.

Seminar Instructor Patti Joyner Blenden founded Financial Solutions in 1990. Ms. Blenden is a frequent presenter for the ABA where she serves as a faculty member of its prestigious Stonier Graduate School of Banking and National, Intermediate and Graduate Compliance Schools. Additionally, Patti has developed and delivered many ABA briefing/webcast series on mortgage requirements and many other compliance subjects. She works extensively with many state and regional banking associations, and has been an invited speaker for various State and Federal regulatory and law enforcement agencies. In addition, Patti speaks at many national and state compliance seminars, schools and conferences, and conducts in-bank training. Patti serves as Editor of the national regulatory compliance newsletter published 16 times per year, Compliance Action. Ms. Blenden has a B.S. degree in Accounting from Louisiana Tech University where she graduated with honors. Patti earned her Certified Public Accountant (CPA) certification in 1984. She has over 37 years of banking experience and is a Certified Regulatory Compliance Manager (CRCM).

Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) Solutions

Tuesday, June 19th, 2018 – Ramkota Hotel – Casper Program: 8:30 a.m. - 3:30 p.m., Lunch Included

Registration Form 1st Registrant: List registrant and title:___________________________________________________________

Bank/Firm Name_____________________________________Phone______________________

Address (PO Box)_______________________________________FAX____________________

City/State/Zip___________________________________________________________________

Email Address __________________________________________________________________

Additional Registrant (copy this form for additional registrations)

List registrant and title:___________________________________________________________

Address (PO Box)_______________________________________ Phone___________________

City/State/Zip___________________________________________________________________

Email Address __________________________________________________________________

REGISTRATION FEE: Member Rate: $230 per registrant Non Member Rate: $460 per registrant

PAYMENT OPTIONS: Payment by Check: mail in Send Invoice: fax or email registration Register Online

OVERNIGHT ACCOMMODATIONS: are to be handled by individual attendees. A block of rooms has been reserved for June 18 at the Ramkota Hotel Casper @ 800 N. Poplar Street, Casper, 307/266-6000. Be sure to ask for the room rate of $84.00 under the Wyoming Bankers Assoc. Room Block. Room block expires JUNE 4, 2018.

CANCELLATION POLICY: No refunds will be made after JUNE 4, 2018~~all cancellations prior to 6/4 are subject to a $50 cancellation charge. Substitutions may be made at any time. REGISTRATION DEADLINE – JUNE 4, 2018. MAIL THIS FORM AND CHECK TO: Wyoming Bankers Association, P.O. Box 2190,

Cheyenne, WY 82003 307/638-5008 FAX 307/638-5013

Current Expected Credit Losses (CECL)

A web-based seminar Wednesday, January 3, 2018

9:00 am – 11:00 am MT

WYOMING BANKERS ASSOCIATION

Program Content: Please check back for a description. Covered Topics: Please check back for covered topics. Who Should Attend: Please check back for who to attend. Presenter: Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta. Most of his career has been spent in Credit Administration, Lending, Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individual, Middle Market Companies, Small Business, Real Estate and Non-Profit Organizations. Mr. Johnson is now a training professional in the financial industry by leading various seminars covering important topics relating to issues in financial institutions. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual financial institutions nationwide. He co-authored a training course entitled "Lending to Service and Other Professional Organizations" for RMA in 2001. Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking diploma from Prochnow School of Banking at the University of Wisconsin and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania. jeffery's other events If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________

*Email Address: ______________________________ *Please include an email address as this is how your webinar materials

will be delivered to you.

Please check one of the following:

“Live” Web connection $265

Additional connection for a branch $75

6-month “OnDemand” website link only $295

CD-ROM and e-materials only $345

Send paper handouts (no charge)

Live plus OnDemand website link $365

Premier Package: Live, OnDemand link, and CD-ROM plus $395

e-materials


Ways to Register: ONLINE: www.bankwebinars.com FAX: (800) 831-3776

PHONE: (800) 831-0678 MAIL: TTS, PO Box 310, Waunakee, WI 53597 Please Do Not fax registrations to the Wyoming Bankers Assoc

Method of Payment:

Please invoice our bank

Check made payable to TTS

Mastercard Visa

Card Number: _________________________________

Expiration Date: _________________ CSC: _________

Signature: ____________________________________ For assistance, please call Cheryl Johnston, (307) 638-5008.

Best-Ever Compliance Checklists for Consumer Loans


12:30 pm – 2:30 pm MT


Program Content: For several years, Anne Lolley has shared her popular compliance checklists with bankers. In this latest webinar, Anne will again offer and explain those checklists. The colorful and easy-to-use checklists are designed to chronologically lead lenders and processors through the various compliance requirements, and financial institutions that properly use these checklists will virtually eliminate compliance errors. The webinar will include a supplementary booklet explaining each checklist requirement. Upon request, Anne will e-mail the individual checklists to anyone attending this webinar. The individual checklists will be formatted in Word and can easily be saved to a word processor (or bank network) and printed as needed. In addition, Anne has just completed companion worksheets that can be used to review consumer loans and will email those checklists to registrants upon request. Covered Topics:

Truth in Lending (right of rescission, high-cost mortgages, HPMLs, ARMs, TRID disclosures)

RESPA

HMDA

Reg B (appraisal copies, joint credit, adverse action)

Flood insurance

Appraisals and evaluations

FACTA credit score disclosures

Insurance disclosures

Military Lending Act Who Should Attend: Lenders, loan processors, compliance officers and loan review personnel "If you have never attended one of Anne Lolley's webinars you are so missing out. She knows her stuff and presents it in a way anyone can grasp." -June W., Bank of Lincoln County "I felt that Ms. Lolley's presentation was excellent. She covered the material in a way that was easily understandable for both experienced and inexperienced bankers. I would highly recommend anyone to attend one of her sessions!" -Jennifer F., Vinton County National Bank Presenter: For over thirty years, Anne Lolley has been simplifying compliance issues for bankers. After earning her law degree from the University of Kansas, she joined the Kansas Bankers Association, where she developed its successful legal department and gave compliance-related seminars. She has been a compliance officer for two banks and currently works with Bank Management Services,

where she continues to provide webinars to Kansas bankers. Her expertise at simplifying the complex and creating user-friendly reference manuals has made her a popular instructor. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________

*Email Address: ______________________________ *Please include an email address as this is how your webinar materials will be delivered to you.









e-materials


Ways to Register: ONLINE: www.bankwebinars.com

FAX: (800) 831-3776 PHONE: (800) 831-0678 MAIL: TTS, PO Box 310, Waunakee, WI 53597

Please Do Not fax registrations to the Wyoming Bankers Assoc

Method of Payment:



Mastercard Visa

Card Number: _________________________________



CECL Methodology: The New Accounting Standard


9:00 am – 11:00 am MT


Program Content: The Allowance for Loan and Lease Losses (“ALLL”), represents one of the most significant estimates in an institution’s financial statements and regulatory reports. It is a major portion of credit administration and is considered a key factor in maintaining a safe and sound financial institution. It is a valuation reserve established and maintained by charges against the bank’s operating income and is estimate of loans that may be uncollectible.

However, users of financial statement issued by financial institution expressed concerns that current United States Generally Acceptable Accounting Principles (GAAP) calculation of the Allowance restricts the ability to record credit losses that are expected, because they do not meet the “probable” threshold. After the economic crisis, various stakeholders requested that accounting standards enhance standards on loan loss provisioning to incorporate forward-looking information. The Financial Accounting Standards Board concluded that the existing approach for determining the impairment of financial assets, based on a “probable” threshold and an “incurred” notion, delayed the recognition of credit losses on loans and resulted in loan loss allowances that were “too little, too late.”

The Board of Governors of the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), and the Office of the Comptroller of the Currency (OCC) (hereafter, the agencies) issued a Joint Statement on June 17, 2016, called Current Expected Credit Losses (“CECL”), which summarizes key elements of the new accounting standard and providing initial supervisory views with respect to measurement methods, use of vendors, portfolio segmentation, data needs, qualitative adjustments, and allowance processes.

CECL standards apply to all banks, savings associations, credit unions and financial institution holding companies, regardless of size that file regulatory reports for which the reporting requirements conform to U.S. GAAP. This program is designed to review the elements and thought process in establishing and maintaining an adequate ALLL level under the new regulatory guidance referred to as CECL.

Covered Topics:

Types of Financial Instruments carried at Amortized Cost affected by CECL and the Financial Instruments Not Affected

How CECL Addresses Major Concerns with the Current (“ALLL”) Methodology, which has Proven to be Ineffective in Recognizing Losses on a Timely Basis

Effective Dates of CECL Implementation based upon the Type and Size of the Financial Institution

How Should an Institution Apply the New Accounting Standard Upon Initial Adoption

Acceptable Methods for Estimating Allowance Levels Under CECL?

What Can Financial Institutions Do Now to Prepare for the Adoption of CECL

Reinforce Concepts with a CECL Case Study

After completing this course, the participant will have an enhanced understanding of the importance of creating and maintaining an adequate Allowance that is legally defensible and insures the bank is operating in a safe and sound environment under the CECL Methodology

Who Should Attend: CEO’s, Presidents & Board Members, Credit Administrators, Senior Credit Officers, Loan Review Officers, Compliance Officers, Senior Loan Officers, Commercial/Consumer Loan Officers, Loan Operation Officers, Loan Administrators

Presenter: Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta.

Most of his career has been spent in Credit Administration, Lending, Business Development, Loan Review, Management and Training &

Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individual, Middle Market Companies, Small Business, Real Estate and Non-Profit Organizations.

Mr. Johnson is now a training professional in the financial industry by leading various seminars covering important topics relating to issues in financial institutions. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual financial institutions nationwide. He co-authored a training course entitled "Lending to Service and Other Professional Organizations" for RMA in 2001.

Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking diploma from Prochnow School of Banking at the University of Wisconsin and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania. jeffery's other events

If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: ___________________________________________

Bank: ____________________________________________

Adress: __________________________________________

City, State, ZIP: ____________________________________

Phone: ___________________________________________

*Email Address: ___________________________________ *Please include an email address as this is how your webinar materials










e-materials


Ways to Register: ONLINE: www.bankwebinars.com FAX: (800) 831-3776 PHONE: (800) 831-0678

MAIL: TTS, PO Box 310, Waunakee, WI 53597 Please Do Not fax registrations to the Wyoming Bankers Assoc

Method of Payment:



Mastercard Visa

Card Number: ______________________________________

Expiration Date:______________________ CSC: _________

Signature: _________________________________________ For assistance, please call Cheryl Johnston, (307) 638-5008.

Basics of Banking A web-based seminar

Thursday, January 4, 2018 9:00 am – 11:00 am MT


Program Content: Gain a better understanding of the what, why and how a bank works. This fast-paced introduction to the banking industry reviews almost all aspects of banking to give participants an overview of bank operations, from basic principles to products and services to emerging technologies to laws and regulations. This seminar is a must for all new bankers and/or those that want to "brush up" on their general banking knowledge! Attendees will become better prepared to meet the challenges and rewards of working in the industry today. Covered Topics:

Full-service commercial banking

Products and services offered by banks including depository, lending and trust services

Various types of loan: consumer, residential and commercial

Investment products

Competitors in the market place

Emerging technologies

Banking regulations and regulatory agencies Who Should Attend: Credit analysts, personal bankers, financial service representatives, tellers, business development officers and all bankers who would like to brush up on their banking knowledge. Presenter: David L. Osburn is the founder of Osburn & Associates, LLC, a Business Training and Contract CFO Firm that provides seminars, webinars, and keynote speeches for CPAs, bankers, attorneys, credit managers, and business owners on topics such as Banking/Finance/Credit, Negotiation Skills, Marketing, and Management Issues. Mr. Osburn’s Contract CFO clients include medical practitioners, financial institutions, law firms, CPA firms, architects, real estate developers, and contractors. His extensive professional background of over 30 years includes 18 years as a Business Trainer/Contract CFO and 16 years as a bank commercial lender including the position of Vice President/Senior Banking Officer. His banking credentials include loan underwriting, loan “work-out”, management, and business development. Mr. Osburn has been an adjunct college professor (MBA and undergraduate courses) for over 30 years including the College of Southern Nevada. He holds an MBA from Utah State University, a BS in Finance from Brigham Young University, and is a graduate of the ABA National Commercial Lending School held at the University of Oklahoma. Additionally, Mr. Osburn holds the professional designation of Certified Credit & Risk Analyst (CCRA) as granted by the National Association of Credit Management (NACM). If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Sexual Harassment - Establishing a Respectful Workplace

A web-based seminar Thursday, January 4, 2018

12:30 pm – 2:30 pm MT


Program Content: There has been an explosion of sexual harassment allegations in both the press, and in complaints to employers. Famous media people, executives, and public and corporate managers have suddenly had careers damaged or ended due to their improper behaviors. Harassment is certainly not new. Yet now there is a new environment, new support and motivation to come forth. Organizations, Congress and Legislatures are paying attention to Enhanced policies, practices and new laws and liabilities are coming.

In many organizations sexual harassment seems all too common. Yet in others it rarely arises and is quickly and effectively addressed. What is the difference?

Identifying and Combating Harassment - Establishing a Respectful Workplace

Your organization must seek to prevent and to address harassment! The courts have expanded the scope of an organization's duty of care for the overall work environment. The U.S. Supreme Court has ruled that private and public organizations have a Duty of Care which is owed to both those they serve and to their employees. The failure to pay attention to this Duty of Care can result in personal harm and legal liability for both the organization and for the individual. Adopting the Duty of Care immunizes organizations from liability and creates a healthy, productive profitable workplace.

This program brings understanding of employees' responsibilities toward each other and covers how to effectively address and resolve issues.

Covered Topics:

How to define and identify harassing behavior in its differing manifestations

Understand the laws which apply and how they can be used to confront and correct harassing behaviors; and new liabilities on the way

Guidelines you can adopt to stop harassment before it starts

The Duty of Care principles for addressing abusive behaviors and preventing liability

Gain an understanding of how these concepts apply to practical, everyday situations

Understand each person's rights and obligations in a Respectful Workplace

Understand how to address situations before they harm people and generate legal actions

Who Should Attend: Human Resources and anyone that creates policy and procedures for your financial institution or with responsibility for supervising employees.

Presenter: Bob Gregg, Boardman & Clark Law Firm in Madison, Wisconsin, has been involved in employment relations for more than 30 years. He litigates employment cases, representing employers in employment contracts,

discrimination cases, FLSA, FMLA and all other areas of employment law. His main emphasis is helping employers achieve enhanced productivity, creating positive work environments and resolving employment problems before they generate lawsuits. Bob has conducted over 3,000 seminars throughout the United States and authored numerous articles on practical employment issues. Bob is a member of the Society for Human Resource Management and the National Speakers Association. He is also a National Faculty Member of the American Association for Access, Equity and Diversity and served on the Board of Directors for the Department of Defense Equal Opportunity Management Institute Foundation.


Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Digital Marketing: Deep Dive A web-based seminar

Tuesday, January 9, 2018 9:00 am – 11:00 am MT


Program Content: Digital marketing is a complex landscape. The rate of evolution is astounding. Consumers are changing their habits every few years. Remember Myspace? Do you have your Snapchat account yet? New technologies are constantly being introduced, and there’s no shortage of partners. Many vendors only provide part of the solution. With the induction of big data, the digital landscape that exists today is drastically different than five years ago. If you haven’t kept up, you are wasting money. In this presentation, we are going to start from the foundation and quickly build up. We understand how digital marketing fits with marketing and the organization generally. We will provide you a framework to think about your digital marketing activities and start to understand how they are all interconnected. Finally, we will talk about specific tools and techniques that are available in the market. We’ll explore when and why you should use different tools depending on the circumstance or your objective. This presentation will be a deep dive into digital marketing geared towards people who have responsibility over marketing initiatives. Covered Topics:

Digital marketing provides a new set of tools to solve different marketing problems but understanding the problem is the first step in a marketing strategy.

The tools of digital marketing are broadly grouped as: Search, web, email, social, video, and display. We’ll provide a high-level overview of the targeting and tracking capabilities of these different channels.

Finish by reviewing case studies where we have successfully applied digital channels.

Who Should Attend: People who have responsibility over marketing initiatives. Presenter: David Carlson, Senior Vice President with Haberfeld Associates, has worked with clients for more than 12 years to implement and sustain system activities that allows them to see significant growth. He leads consulting meetings with Haberfeld client executive teams, helping them identify opportunities for increased growth and profitability. David also presents at many bank-wide rallies and training meetings on topics such as new customer acquisition strategies, sales and marketing initiatives, revenue enhancement, strategic planning and team development. David holds a Bachelor of Science degree in Business from the University of Nebraska. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials




Method of Payment:



Mastercard Visa

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Implementing Beneficial Owners on Legal Entities

A web-based seminar Tuesday, January 9, 2018

12:30 pm – 2:30 pm MT


Program Content: Fast approaching May 11, 2018 deadline has us asking more complicated questions about beneficial ownership of accounts. What is excluded? What is included? What is exempt? How do we handle renewals of CDs and loans. Can we do beneficial ownership form at the account level or the customer level? It goes on and on. How to map multi-tiered businesses and the human beings who own them. This program is designed to focus on business accounts and the opening procedures, changing ownership, implementing this process and all the questions it brings. Covered Topics:

How to handle renewals

How to handle all types of businesses and beneficial ownership

Writing your business procedures

Changing signers and owners

Mapping multitiered businesses

What to do with beneficial ownership and controlling person information

Exclusions, exemptions and exempt activity

OFAC, 314 a and other compliance issues Who Should Attend: BSA Officer, Compliance, Deposit Operations, Loan Operations and Branch Administration Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of combined teaching and banking experience. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________

*Email Address: _______________________________

*Please include an email address as this is how your webinar materials will be delivered to you.









e-materials





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Incident Response - Plan to Fail Well A web-based seminar

Wednesday, January 10, 2018 9:00 am – 11:00 am MT


Program Content: In today’s cybersecurity world, we can no longer hide behind the assumption that business will never be compromised. Institutions must ensure adequate investments in security are made, not only in prevention, but in the detection of threats and effective incident response as well. With data breaches on the rise, it’s time to sharpen your institution’s response procedures and improve your Incident Response Plan. In this session, core steps required for most incidents will be highlighted and specialized components for DDOS, malware, ransomware, CATO, and unauthorized access incident types will be examined. Explore the importance of incorporating forensic analysis procedures into your standard procedures to better address emerging threats and decrease liability. Covered Topics: The following areas will be discussed with attendees to ensure institutions are prepared to have a successful response if prevention measures fail:

Internal Communications

Incident Containment, Eradication, and Recovery

External Communications

Integration of Forensics

Insider Threats Who Should Attend: Information Security Officer, IT Manager, Network Administrators, Risk Officer, Chief Information Officer, Forensics Analysis, Security Analyst, and management team members involved in cybersecurity and incident response processes. Presenter: Chad Knutson is a Senior Information Security Consultant and serves as President of the SBS CyberSecurity out of Madison, SD. SBS is a leader in information security consulting for the financial industry in the US. SBS works with more than 900 banks around the country on information security services such as the development of Information Security Programs, Policies, and Risk Assessments, along with performing IT Audits, Penetration Tests, Vulnerability Assessment and other security services. Chad is a Certified Information Systems Security Professional (CISSP), Certified Information Systems Auditor (CISA) and Certified in Risk and Information Security Controls (CRISC), and received his Bachelor of Science in Computer Information Systems and his Master of Science in Information Assurance with an emphasis in Banking and Finance Security from Dakota State University. Chad has been with SBS since 2004 and has consulted with many financial institutions during this time. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________

*Email Address: ______________________________










e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Cash Management: How Sales, Operations, and Technology Can

Work Together to Generate More Fee Income


12:30 pm – 2:30 pm MT


Program Content: During this two hour webinar, you will gain a more in-depth knowledge of Cash Management (aka Treasury Management) products and services. You will learn about all the Cash

Management products and services available in the marketplace, identify the products and services your community bank currently offers, what you’re missing, and come up with strategies to implement and offer the right products and services for your bank. You will also learn the "behind the scenes" on the most important products and how they interact with technology.

After attending this webinar, you will walk away with a deeper knowledge of Cash Management, gain ideas from the other participants on how to implement the products and services your clients expect you to offer, conduct a risk assessment on any new products, and bring back ideas to your bank on how to market Cash Management products and services to your business clients. In addition, your team will also work better together knowing how critical each area is to the success of the implementation and sale of these products and services.

Webinar Overview:

Part I – Cash Management Knowledge Part II – Marketing & Sales Process Part III – Product Implementation Part IV – The Future of Cash Management

Covered Topics:

What is Treasury Management (aka Cash Management)?

The Evolution of Cash Management/History/Background

Review of the Account Analysis and what it’s used for

Overview of all Cash Management products in the market

How to determine which products you need to offer to your business customers

Determine who your in-house experts should be and provide the appropriate training

How Cash Management is integrated with the Bank’s Technology, Operations and Sales teams

Identifying new bank fee opportunities

Ideas on how to market and brand your Cash Management products

Process to implement Cash Management products

The future of Cash Management (including Blockchain and Bitcoin)

Who Should Attend:

Cash Management operations and sales personnel, Deposit sales team, Business bankers/lenders, Technology personnel (IT network support and core system support staff), Presidents, COOs who want to learn more about Cash Management.

Presenter: Marci Malzahn is the president and founder of Malzahn Strategic, a community bank consultancy focused on strategic planning, enterprise risk management, and talent management. Marci has 23 years of banking experience, the last ten as the EVP/CFO/COO of a community bank she helped start where she oversaw all the bank operations areas, including finance, IT, compliance, internal

audit, deposit/loan operations, office management, risk management, and HR. In her last year as EVP/COO/CRO, Marci created and focused on the bank’s risk management program. She

was also the corporate secretary of both the holding company and the bank.

Before starting the bank in 2005, Marci took a detour from banking for five years and worked for a $34 million revenue non-profit

organization where she led IT, HR and Finance. Marci’s extensive experience in banking infrastructure and her passion to help other banks succeed led her to found Malzahn Strategic in 2014.

Marci is the recipient of a number of professional awards, is a published author of three books, and an international bilingual public speaker, speaking frequently at banking conferences and associations.

Marci holds a B.A. in business management from Bethel University and is a graduate of the Graduate School of Banking in Madison, Wisconsin.


Name: ___________________________________________

Bank: ____________________________________________

Adress: __________________________________________

City, State, ZIP: ____________________________________

Phone: ___________________________________________

*Email Address: ___________________________________ *Please include an email address as this is how your webinar materials










e-materials




Method of Payment:



Mastercard Visa

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Expiration Date:______________________ CSC: _________

Signature: _________________________________________ For assistance, please call Cheryl Johnston, (307) 638-5008.

Opening Accounts for Nonresident Aliens


12:30 pm – 2:30 pm MT


Program Content: It has always been challenging to open accounts for nonresident aliens and to identify the person we are doing business with. Since the USA PATRIOT Act, Customer Identification Program (CIP) law passed, opening these accounts and covering the required documentation and identification bases makes dealing with these accounts more challenging than ever. This issue is also a Bank Secrecy Act exam "hot spot" with the regulators as nonresident alien accounts are considered to be high risk. This session will address the following questions about procedures and your bank: What does the law say about identifying nonresident aliens? What type of identification is being used around the country to open accounts? What are the proper procedures for W-8 reporting? What role does Office of Foreign Assets and Control (OFAC) play in your new accounts procedures? If these questions have not been answered to your satisfaction in your bank this session is a must. More on FATCA and the new rules in July. Covered Topics:

Resident aliens versus Nonresident aliens

Types of identification available - both primary and secondary

Sorting out social security cards

W-8 Forms

Customer Identification Program requirements

Office of Foreign Assets and Control requirements

Tracking and monitoring high risk accounts

FATCA

1042S Reporting Who Should Attend: This informative session is for New Accounts Representatives, Personal Bankers, Lenders, Tellers, Branch Managers and Branch Administration. Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of combined teaching and banking experience. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Scrubbing and Submitting 2017 HMDA Data


9:00 am – 11:00 am MT


Program Content: WHAT?

While the world of the Home Mortgage Disclosure Act (HMDA) is about to undergo major changes, creditors cannot afford to lose focus on the basic requirements of Regulation C that remain in effect until January

1, 2018. HMDA-reporting banks spend considerable time in January and February of each year "scrubbing" HMDA data before the March 1st submission date. In addition, financial institutions face new

reporting requirements for 2017 data as the data must be submitted to the CFPB by March 1, 2018 through a new web interface known as the HMDA Platform, which includes the process for resolving edits. This

webinar is designed to get you ready for these tasks.

Errors can result from the failure to report a covered loan, reporting a loan that is not reportable, miscoding data on reported loans.

Regulators continue to report significant error rates for HMDA data. Penalties may be imposed for such errors. This program reviews data collection and reporting rules, common problems that occur when collecting and reporting the HMDA data, and issues related to the

public disclosure of the information.

WHY? This two-hour webinar focuses on the existing requirements of HMDA

and Regulation C. The existing data fields continue unchanged through the end of the 2017 reporting cycle; however, the reporting process is changing dramatically. This program covers the basic rules of HMDA

and Regulation C and provides the information needed to assure accurate reporting of 2017 HMDA data.

Participants receive a detailed manual that serves as a handbook long after the program is completed.

Covered Topics:

The program provides:

A thorough explanation of which institutions are covered by

HMDA and Regulation C for the 2017 reporting cycle;

A review of which loans are and are not reportable;

Detailed information on how to complete the LAR;

Clarification of the rules related to secondary market and

broker transactions;

Detail on the data submission and public availability

requirements;

Steps to identify and eliminate reporting errors and thereby avoid penalties; and

Actions to take to prepare for the new reporting steps necessary for submitting the 2017 data to the CFPB.

Who Should Attend:

The program is designed for loan officers, compliance officers, loan processors and clerks and auditors. Whether new to the requirements of HMDA and Regulation C or a seasoned veteran, this program

provides a comprehensive review of the existing requirements of HMDA and Regulation C.

Presenter:

Jack Holzknecht is the CEO of Compliance Resource, LLC. He has been delivering the word on lending compliance for 41 years. In 36 years as a trainer over 130,000 bankers (and many examiners) have

participated in Jack’s live seminars and webinars. Jack’s career began in 1976 as a federal bank examiner. He later headed the product and education divisions of a regional consulting company. There he developed loan and deposit form systems and software. He also

developed and presented training programs to bankers in 43 states. Jack has been an instructor at compliance schools presented by several state bankers associations. As a contractor, he developed and

delivered compliance training for the FDIC for ten years. He is a Certified Regulatory Compliance Manager and a member of the National Speakers Association.

Kelly M. Owsley is Director of Training Services for Compliance Resource, LLC. Kelly’s career in banking began in 2000. Since then

she has worked for financial institutions ranging in asset size from $250 million to $3 billion. Kelly has worked in numerous areas of the financial services industry including retail branch management,

lending, product development and training. In addition, Kelly spent three years in a training and development role with CUNA Mutual Group servicing the largest credit union in the United States. Most

recently, she served as the Vice President of Compliance, BSA Officer, and CRA Officer for a community bank where she was responsible for implementing and training all compliance related topics. Kelly has

conducted seminars in multiple states and has participated in numerous webinars sponsored by national providers. She is a Certified Regulatory Compliance Manager.

If you are unable to attend the webinar but would like to have this

information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Advertising Compliance A web-based seminar

Tuesday, January 16, 2018 9:00 am – 11:00 am MT


Program Content: Advertising is a unique situation for most banks. Marketing personnel aren't always experts with the technical advertising requirements established within the various regulations. And, those responsible for regulatory compliance aren't often included the process until after an advertisement has been published. This webinar will focus on the advertising requirements outlined in the regulations noted below. It will also address how advertisements can cross the line between “luring” someone and not deceiving them (UDAAP). Learn what you can say, what you can't say, when to say it, etc. Several examples of real world advertising errors will also be included. The webinar will also focus on recognizing the key compliance production elements and compliance controls with respect to an advertisement from creation to publication. The webinar will help keep the rules straight and will provide useful checklists and other compliance tools to make your job easier, whether you're a compliance professional, an auditor, or a marketing department ad designer. Covered Topics:

FDIC signage and advertising rules

The Fair Housing Act

Deposit Insurance

Truth in Lending

Truth in Savings

Sample Rate Sheet

Non-Deposit Investments

Lobby Disclosures

Web Sites

UDAAP **Lotteries and sweepstakes will not be covered. Who Should Attend: This webinar is for anyone responsible for either producing or reviewing advertisements for compliance. "David made compliance education fun to listen to." - Brittany H, Bucks County Bank Presenter: David's banking career began as a field examiner for the FDIC in 1990. He later became a Loan Officer for a 110-million dollar bank. In 1993, he established Banker's Compliance Consulting. Along with his amazingly talented Team, he has written numerous compliance articles for prestigious banking publications and has developed compliance seminars that Banker's Compliance Consulting produces. He is an expert in compliance regulations. He is also a motivational speaker and innovative educator. His quick wit and sense of humor transforms the usually tiring topic of compliance into an enjoyable educational experience. David is on the faculty of the Center for Financial Training, the American Bankers Association National Compliance Schools and is a frequent speaker at the ABA's Regulatory Compliance

Conference. David is also a trainer for hundreds of webinars and is a Certified Regulatory Compliance Manager (CRCM). The American Bankers Association honored David with their Distinguished Service Award in 2016. David and his wife Karen have 3 adult children (none of whom live at home!) & 3 cats (which Dave is allergic to). They live on a lake in Nebraska and when possible, Dave can be found fishing or in the water. David plays the guitar & piano and enjoys singing with Karen. Together they lead worship at their church. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Loan Underwriting Mistakes A web-based seminar

Tuesday, January 16, 2018 12:30 pm – 2:30 pm MT


Program Content: This is the description from our webinar that was presented in January 2017. Please check back for a modified description. Topics may be updated, but registration is now open. This seminar focuses on common underwriting mistakes that can ultimately lead to problem loans and loan losses. Using charge off analysis of hundreds of charged off loans, the session gives a view of “What were we thinking?” regarding underwriting mistakes. These examples provide great learning moments designed to positively influence future behavior in underwriting activities. We will examine typical areas of underwriting analysis where mistakes can occur. Taking a deeper look at those areas will result in exercising better judgment in achieving the perfect balance of positive cash flow, sufficient and correctly documented collateral, and adequate guarantees in the underwriting process. Covered Topics:

Understanding the purpose of the loan request

Sufficient analysis of primary and secondary sources of repayment

Assessing the true value of collateral

Industry and Geographic credit risk considerations

Sufficient analysis of management limitations

Red flags for fraud

"Too much" influence from Centers of Influence Who Should Attend: Commercial lenders, small business lenders, credit analysts, loan review specialists, lending managers and credit officers Presenter: Linda Larger has successfully coached and trained hundreds of bankers to be their best in credit risk analysis and sales execution. With a long career in banking she has experience as both a banker and training professional having worked as a Vice President in Business Development for Commercial and Consumer Lending, Special Assets and Training. Her training work has been featured in publications of the Association for Financial Professionals, Business Banking Board, and as a program presenter for the Graduate School of Banking at the University of Wisconsin-Madison. She is the owner of Banker Education Solutions & Training LLC (BEST) where she works with a variety of banks and state banking associations in a consulting role on training needs identification, and training program delivery and evaluation. Her favorite audiences are Lenders, Special Assets and Credit Administration associates. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



IRA Update and Review A web-based seminar



Program Content: This is the description from our webinar that was presented in January 2017. Please check back for a modified description. Topics may be updated, but registration is now open. Just when we get comfortable with the “old” rules, Congress throws us a curve, and many times it’s right before they go on their Christmas holiday break. This two-hour webinar will update you on any of the latest legislation, pending legislation and cost of living adjustments available for 2018. Covered Topics: Participants will get the answers to these and many more common questions.

What are the legislative updates for 2018?

How does the bank report Qualified Charitable Distributions to the IRS?

What are the new procedures for accepting “tardy” rollovers past the 60 day period?

What are the mandatory reporting requirements to be distributed to IRA accountholders in January 2018?

What is the status on the pending legislation to change beneficiary payouts?

What is the danger in confusing the “IRA direct transfers” terminology with “direct rollovers”? NO!!!! It is NOT the same thing.

Who Should Attend: IRA personnel in New Accounts, CDs, Trust, Investments and Savings Departments who are involved in opening, selling, and administration of IRA accounts will benefit greatly from thorough discussion of the more complicated aspects of the IRA and from the "Annual IRA Update and Review". A working knowledge of IRAs will help participants understand the more complicated areas of this Webinar. "Patrice is an awesome speaker and is very knowledgeable." - Karen W, Commercial Bank - St. Louis, MO Presenter: Patrice M. Konarik is president of Sunwest Training Corp. founded over 20 years ago and is located in the Texas Hill Country near San Antonio, Texas. With over 30 years’ experience in the financial industry, Patrice has focused her expertise on the retirement and new account areas and is currently providing live training and Webinars on these subjects on a nationwide basis. She has a BS in Management Science from New York’s Binghamton University. Many state banking associations and other organizations use her as their main source for training on these complicated topics. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



CRE Appraisals: Appraisal Components, Approaches to Value

and Cap Rates A web-based seminar

Wednesday, January 17, 2018 12:30 pm – 2:30 pm MT


Program Content: Fundamental principles and features and CRE appraisals are covered. Covered Topics:

Types of appraisals by format

What to look for within the assumptions and limiting conditions

Property ownership interests clarified (fee simple, leased fee, etc.)

Highest and best use of the property

Approached to value o Cost approach and information useful in the

underwriting and loan structuring process o Income approach options of discounted cash

flow (DCF) and direct capitalization, with the steps to building net operating income (NOI) and the cap rate used in direct capitalization (including a case example)

o Comparables and the key issue to consider when selecting and evaluating comps

o Reconciliation of value Who Should Attend: CRE lenders, commercial lenders, credit analysts, portfolio managers, community bankers, mortgage lenders, private bankers, small business lenders, loan review specialists, special assets officers, lending managers, credit officers and CRE support personnel. Presenter: Richard Hamm has been training bankers for 25 years, designing and delivering courses specializing in commercial lending and credit, including portfolio and risk management, commercial real estate (CRE) and appraisals, plus selling and negotiating skills, and director training. Richard is based in Huntsville, AL and has owned/operated Advantage Consulting & Training for 11 years, after a 22-year banking career including senior positions in lending and credit, plus president through formation and acquisition of a community bank. He has BS and MBA degrees from the University of Alabama. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Handling Loan Applications – What can go wrong?


9:00 am – 11:00 am MT


Program Content: Do you know how the term "application" is defined in all of the lending regulations? Do your lenders and front line staff understand the difference between an application and an inquiry? Join this fast-paced webinar to understand the application process with step by step instructions and actual examples that explain the requirements of several confusing regulations in terms that are easy to understand. BONUS - Reg Z REQUIRES that loan originators have "periodic training" to ensure "knowledge of Federal legal requirements that apply to the individual loan originator's loan origination activities." START 2018 BY COMPLETING A PORTION OF THIS TRAINING REQUIREMENT.

Covered Topics:

Learn what specific information will help you to handle applications correctly

What are the top five mistakes made in application processing?

Overview of application and timing of disclosures for consumer, mortgage, and commercial loan applications

When does an application have to be in writing? Does it have to be signed? What are the signature rules for applications?

What are the rules for appraisal copies? Reg B did NOT exempt commercial purpose loans secured by a 1st lien on a 1-4 dwelling

How do you properly document the “joint intent” to apply?

When is an adverse action notice required? What must it contain? Who receives one?

When can you pull a credit bureau? What documentation should be kept?

Recap of the collection of "demographic information" for HMDA reportable applications under the 2018 rules

Who Should Attend: This informative session will benefit loan officers, loan assistants, loan operations staff, compliance officers, auditors, and trainers. Covered topics will be included for consumer, mortgage, and commercial lenders.

Presenter: Susan Costonis is a compliance consultant and trainer. She specializes in compliance management along with deposit and lending regulatory training.

Susan has successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by the OCC, FDIC, and Federal Reserve. Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and “translates” complex

regulations into simple concepts by using humor and real life examples. If you are unable to attend the webinar but would like to have this

information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials





Method of Payment:



Mastercard Visa

Card Number: _________________________________



Online Deposit Account Opening A web-based seminar

Thursday, January 18, 2018 12:30 pm – 2:30 pm MT


Program Content: Opening deposit accounts online is becoming a way of life instead of an exception. In building your system, you will need not only your marketing people involved from the outset, but also your compliance team. The question is how to comply with all the new account opening procedures using the online mechanism and meet examiner expectations and scrutiny. The process should engage your customer, but not put your financial institution in the regulatory hot seat. We'll examine the life cycle of this service from start to finish, and you'll receive checklists and thoughts about how to begin offering this service or check your existing process. Covered Topics:

Adding this service to your BSA risk assessment

CIP, CDD and other issues in identifying the account holder

A checklist of how to accomplish the regulatory process online

Special issues on withholding, nonresident aliens, and other IRS issues

Federal disclosures and their delivery

Funding of the account

Signatures, ownership, access and signature card requirements

FDIC, Patriot Act and other signage

Putting the pieces together for compliance and risk management

Who Should Attend: Branch administration, CIP coordinators, Branch operations, Retail areas of your financial institution that are affected, BSA personnel, Compliance officers and Managers. Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of combined teaching and banking experience. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Health Savings Accounts: It’s Time to Pay Attention!!


9:00 am – 11:00 am MT


Program Content: Health Savings Accounts are celebrating their 14th “birthday” and there has never been a more misunderstood product. While many HSA custodian and trustees have been more than patient with the HSA account owner’s “learning curve” creating extra work for the institution, it's time for the accountholder to take responsibility and PAY ATTENTION!! For example, many HSA owners are using their HSA as a perpetual contribution account covering all of their medical (and non-medical) expenses without any concern with the annual contribution limitations. After receiving an excess contribution IRS penalty, they now want the custodian/trustee to go back 2-3 years and "fix it". There are so many mistakes being done by accountholders and financial institutions creating hours of unnecessary corrections. It is time to get a handle on these tricky products and get some fail-safe policies and procedures in place to clean up the messes we have encountered and move forward in the right direction.

Whether you are now offering HSAs or are thinking about offering HSAs, this 2 hour extremely informative webinar will give you the information you need to make sure you are setting the accounts up correctly and performing the proper maintenance and reporting.

Covered Topics:

What are the 5 mandatory requirements for HSA eligibility?

What are the NEW contribution limits for 2017/2018?

What responsibilities does the financial institution have to monitor qualified medical expense withdrawals?

What kind of account should the HSA money be invested in?

How do we handle excess contributions and re-deposit medical expense reimbursements?

What are the IRS reporting requirements for HSA contributions and distributions?

What are the 4 major “trouble spots” for HSA accounts and the recommendations to solve the problems?

Who Should Attend: New Account Representatives, Certificate of Deposit Personnel, Savings Counselors, Accountholder Service Representatives, Investment and Trust Personnel who are involved in the opening, selling, marketing, or administration of HSAs. Any officer/manager who "oversees" the New Account department and may be responsible for answering HSA accountholders questions or concerns but does not actually open HSA accounts.

Presenter: Patrice M. Konarik is president of Sunwest Training Corp. founded over 20 years ago and is located in the Texas Hill

Country near San Antonio, Texas. With over 30 years’ experience in the financial industry, Patrice has focused her expertise on the retirement and new account areas and is currently providing live training and Webinars on these subjects on a nationwide basis. She has a BS in Management Science from New York’s Binghamton University. Many state banking associations and other organizations use her as their main source for training on these complicated topics. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Improving Employee Performance in Everyday Work Situations & Reviews


12:30 pm – 2:30 pm MT


Program Content: Many supervisors and managers dislike giving employees needed feedback about surfing the internet, not following procedures correctly, criticizing other employees, or delivering poor customer service. Supervisors and managers fear employees will become defensive, or the result will be an unproductive and emotionally-draining argument. So feedback gets delayed, allowing costly work behaviors to continue. Receive step-by-step guidance on how to give employees feedback to gain their cooperation to improve performance. Also learn two skills to resolve employee defensiveness if it occurs, and issues that are often behind it. Plus, learn how to give positive feedback effectively, something most managers don't do. These skills are also highly beneficial during performance evaluations. Actual workplace situations will be used for demonstration. A Learning Guide and Skill Reinforcement Cards will be provided. Covered Topics:

How to give employees feedback the way they want it to be given

Greatly reduce the likelihood of employee defensiveness

What to say and how to say it, including words and phrases, body language, etc.

Gain employee cooperation to improve performance

Two skills to successfully resolve employee defensiveness

Identify employee concerns about what you're asking them to do

Confirm agreement

Give positive feedback that employees will believe and act on

Highly skill based, not a lecture Who Should Attend: Branch managers, assistant branch managers, teller operations supervisors, head tellers, and anyone responsible for the performance of direct reports. Presenter: Ross Blake is a senior level trainer with 25 years of experience in designing and delivering training in conflict resolution, team building, performance feedback, meeting facilitation, and other communication skills. His clients include several Fortune 500 companies as well as banks, manufacturing, service, military, and educational institutions. It's important to Ross that his participants learn skills so they can make positive changes in their banks and credit unions. He has spoken at industry conferences,

including ABA, and before other business and training groups. He is the author of How to Give Employees Performance Feedback & Resolve Resistance, and is a graduate of Ohio University. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________

*Email Address: ______________________________










e-materials





Method of Payment:



Mastercard Visa

Card Number: _________________________________


Signature: ____________________________________

For assistance, please call Cheryl Johnston, (307) 638-5008.

A Business Development Officers Guide to Selling Non-Traditional

Financial Products A web-based seminar



Program Content: Please check back for a description.

Covered Topics: Please check back for covered topics.

Who Should Attend: Please check back for who to attend.

Presenter: Suzette (Suzie) Jones, CFP® is an associate trainer for Sunwest Training Corp. With 40 years of experience in the financial industry, Suzie most recently served as an Executive Vice President with an $11B financial organization where she was an active member of the AML, BSA, Personal/Corporate Risk and Non-Bank Product Risk committees. Suzie has focused her career on technical expertise in the areas of new accounts risk management, IRAs, qualified retirement accounts and investments. Suzie brings technical information to life with her engaging training style and in-depth knowledge. She holds the Certified Financial Planner (CFP®) professional designation. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________

*Email Address: _______________________________ *Please include an email address as this is how your webinar materials will be delivered to you.









e-materials





Method of Payment:



Mastercard Visa

Card Number: _________________________________



Your Teller Cash Drawer - Mastering the Balancing Act A web-based seminar



Program Content: Cornerstone Skills for Every Teller Maintaining the cash drawer throughout the day is a major responsibility for a teller. In any financial institution there is much emphasis placed on the need for tellers to balance daily. Thousands of dollars in cash may pass through the teller's hands each day and accounting for every cent is of primary importance. Accuracy and efficiency in handling cash are key components to the job while maintaining a friendly and helpful demeanor, and being on constant alert for fraud and scams, as well as complying with regulatory reporting requirements sum up the teller's responsibilities around transactions. When a teller does not balance consistently it could be related to a lack of training or learning, disorganization, failure to follow procedures, a con artist scam or the lack of consistency in handling transactions. This webinar will remind tellers of the importance of their job while reviewing the necessary steps to ensure a favorable outcome at the end of the day when balancing the cash drawer. Covered Topics:

Ten Things Tellers Must Do

Six Things Tellers Never Do

Best Practices that Impact Balancing

Avoid Outages and Interruptions

Eliminate Transpositions Who Should Attend: Everyone who works a teller window including part-time, sometimes or all the time tellers plus teller supervisors, branch managers and those responsible for training tellers. Presenter: Janice Branch has been a senior training consultant for InterAction Training for twenty years. She is a very seasoned presenter that has all the right stuff to wow her participants about the subject matter. Prior to joining InterAction Training, Janice was the Senior Manager of Training for Consolidated Communications where she managed, designed, coordinated and presented training programs for this multi-state telecommunications company with over 1000 employees. Whether it is teaching how to coach, manage, lead, negotiate, service, sell or train at every level in an organization or if it is consulting on problem solving and servant leadership, Janice is the "go-to" person every bank wants to hear from. Participants appreciate her "been there, done that" humor along with her expert ability to facilitate learning. Janice has obtained a Bachelor of Business Administration with a major in Management from Almeda University and is certified by the University of Houston in Leadership and Management. In addition, Janice has obtained trainer

certifications from Achieve Global and Development Dimensions, Inc. A native Texan she enjoys many pursuits in addition to teaching and learning but none more than being a grandmother and tending to her ten acre home in Montgomery, Texas just north of Houston. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials





Method of Payment:



Mastercard Visa

Card Number: _________________________________



BSA / AML and OFAC - Continuing Developments


12:30 pm – 2:30 pm MT


Program Content: Some think that regulatory attention to the BSA has let up over the past couple of years, given other difficulties and areas of concern, such as mortgage lending. Think again. With the safety and soundness of the entire industry the focus of news stories every day and well-publicized enforcement actions, the regulators obviously haven't eased up. In fact, recent enforcement actions suggest risk assessments for BSA are still in focus. We'll talk about where the risk areas are in these rules, and where examiners are criticizing institutions. Your comprehensive program must be continually updated, and we'll make sure you have the information you need to meet expectations.

Covered Topics:

Updating your risk profiles, including due diligence

Where regulatory attention is being placed

Changes in funds transfers and BSA definitions

Currency Transaction Reporting hotspots

Suspicious Activity Reporting - the backbone of an effective BSA program, plus e-Filing

Selling monetary instruments for cash - collecting and retaining information, plus the addition of gift cards?

Funds transfer record keeping

OFAC rules - who to screen?

Blocked & rejected transactions - what's the difference and how do I know which to do?

Additional requirements, such as 314(a), PEPs, and Pouch activities

Identifying customers and maintaining proper evidence under CIP rules

FinCEN hotspots and areas for review

And more

Who Should Attend: These rules impact most anyone in your institution who has direct dealings with customers, such as Customer Service Representatives and tellers. But others are impacted as well, like loan officers and others who make important customer-related decisions. Compliance officers, auditors, attorneys, and management too will benefit from this information, as well, as they often are the ones who must draft these complex programs, administer them, and audit them.

Presenter: Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other

clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Smart Social Media A web-based seminar

Thursday, January 25, 2018 12:30 pm – 2:30 pm MT


Program Content: "One simple post can destroy years of building trust and goodwill!" The increased use of social media presents challenges for financial institutions. Chief among them:

1. To have a social media presence that conveys the proper branding to the public.

2. To have in place for employees appropriate guidelines that are legal and protect the company from potential disaster.

In this basic level class, we will review social media channels and trends, give specific suggestions for updating and content, and touch on how to set internal guidelines for staff. We'll also review how to handle negative press and information. This class is designed for institutions with little or no social media experience. Covered Topics:

Social Media Streams

Choosing the Best Streams

Update Suggestions

Internal Guidelines

What To Do When Things Go Wrong Please note that while legal issues are addressed in passing, your local laws take precedence. Who Should Attend: HR and PR staff, as well as managers of all levels at financial institutions that are newer to Social Media. Presenter: The webinar leader is J.T. Turner, who has over 30 years of experience in the lending industry. He has worked as a trainer for the past 24 years, in areas of lending, underwriting, origination, quality control, and personal growth. He is a seminar leader for the Center for Financial Training, a member of the Franklin Speakers Bureau, and past member of the National Speakers Association. J.T. is also a professional actor, with credits in film, TV, radio and on the stage. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Teller Compliance Issues: Reg CC, UCC 3 & 4 and CTRs


12:30 pm – 2:30 pm MT


Program Content: This webinar focuses on the legal issues of checks outlined in signature cards under the uniform commercial code and the holds used on transaction accounts under Regulation CC. This informative webinar will review endorsements, ambiguous language on checks, stop payment orders, death issues, post-dated checks and the account holder’s responsibilities in review his or her statements. Your financial institution’s best defense again fraud is the proper placement of holds on checks within Regulation CC’s guidelines. We will review all schedules of next day items, local and non-local checks. Participants will receive materials including hold forms and worksheets.

Covered Topics:

How money moves

Endorsements

Contradictory terms

Incomplete contracts

Stop payment orders

Stop payment orders on cashier’s, certified and teller’s checks

Knowledge of death and action on checks after death

Customer’s duty to read statement

Negligence issues and the customer’s responsibility

What is a transaction account

What is a local check

Next day items

Case by case holds and exception holds

Substitute checks

CTRs

Who Should Attend: This webinar will benefit all head tellers, branch managers, branch administrators, compliance officers, training staff and others who manage or work the frontline.

Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of combined teaching and banking experience. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Basic Business Entities & Other Commercial Borrowers


9:00 am – 11:00 am MT


Program Content: This is the description from our webinar that was presented in January 2017. Please check back for a modified description. Topics may be updated, but registration is now open. Key issues for business entities include who, if anyone, has personal liability for the debts of the business and what is the impact of federal, state and local taxes on the business and its owners. Essential legal principles underlying creation and operation of borrower entities are also significant for lenders concerned with creating effective and enforceable loan documents. This webinar presents a survey of requirements, characteristics, advantages, disadvantages plus creation and documentation issues for the most frequently used types of business entities.

Covered Topics:

Sole Proprietorships

General Partnerships

Limited Partnerships

Limited Liability Partnerships

C Corporations

S Corporations

Limited Liability Companies

Series LLCs

Real Estate Investment Trusts

Cooperative Associations

Professional Corporations

Professional Associations

Who Should Attend: This webinar is suitable for both lenders and account managers. It provides new bankers with essential information for understanding and managing business relationships. Experienced bankers will find it a valuable refresher course.

Presenter: Robin Russell has practiced law for 29 years and is licensed in Texas, New York and Massachusetts. She is a fellow in the American College of Bankruptcy and of the American Law Institute. She combines a depth of experience in bankruptcy restructuring and litigation with financial transactions. She has represented corporate debtors, independent directors, liquidating trustees, bondholders, unsecured creditors' committees, bank groups, private equity funds, landlords, trade creditors and bidders for estate assets in Chapter 11 and Chapter 7 bankruptcy proceedings. She has also represented banks, institutional lenders and corporate borrowers in commercial loan transactions and debt restructurings. Robin is the principal author of Thomson Reuters’ Texas Practice Guides for both Creditors’ Rights and Financial Transactions and the Texas Bankers Association’s Texas Secured Lending Guide, Texas Problem Loan Guide, Texas

Real Estate Lending Guide and Texas Account Documentation Guide. She is a frequent speaker on banking, bankruptcy and financial restructuring related topics and has served as a Chapter 7 Trustee. Robin received her LL.M. in Banking Law from Boston University and her J.D. from Baylor University where she was Editor-in-Chief of the Baylor Law Review and the highest ranking graduate in her class. She clerked for the Texas Supreme Court before beginning her legal career. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Dealing with Subpoenas, Summonses, Garnishments, Tax

Levies, Etc. A web-based seminar



Program Content: On a daily basis, a financial institution is faced with having to comply with a multitude of legal documents that are served on it. These documents can order your financial institution to produce confidential customer information, hold depositor funds, and can even order it to seize property in its possession belonging to the customer. If you find these documents confusing and intimidating, attend this multi-state seminar to learn the best practices of how to deal effectively with these documents and the parties who serve them upon you.

Covered Topics:

Legal differences among subpoenas, summonses, levies, garnishments, writs of attachments and warrants.

What your financial institution should know about the Right to Financial Privacy Act, the Financial Privacy Act, and similar laws and regulations.

Verifying customer information when complying with subpoenas, garnishments and levies.

Helpful resources to assist your financial institution when complying with these orders.

Whether IRS tax levies will attach to special accounts, like individual retirement accounts, health savings accounts and escrow accounts.

An overview of procedures for answering garnishments of federal benefit payments.

Who Should Attend: This session is a cost-effective way to learn the ins and outs of complying with the subpoenas, summonses, levies and garnishments that are served on your financial institution. "First time participating in TTS webinar. Valuable information and presenter was wonderful speaker. Being able to get answers to questions while on the call was valuable. Handouts particularly useful as well." -- Karen Terry, Enterprise Bank

Presenter: Terri D. Thomas is Senior VP and Legal Department Director for the Kansas Bankers Association. Prior to this, she was with "Bankers Choice," a financial consulting firm. Before this, Terri was employed in the financial industry for over twenty-three years in various capacities. Most notably, she served for fourteen years as in-house legal counsel and trust officer for Bank of America and its Kansas predecessors. Receiving her Bachelor of Arts degree from Kansas State University in 1985, Terri continued her education at Washburn University School of Law and obtained her Juris Doctor in 1988.

Previously, she served as an adjunct instructor at Washburn University School of Law and the University of Kansas School of Law and is a frequent presenter for banking schools and financial associations. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials





Method of Payment:



Mastercard Visa

Card Number: _________________________________



OnDemand Compliance Webinars

Available Webinars

Annual Training On-Demand Webinar$200 for WBA members

Looking for a convenient way to train your employees? No time to develop your own training materials? This two-part on-demand webinar (deposits/lending) covers required annual training topics. Both webinars are pre-recorded and can be used by your institution as needed - such as a “bank training day” held on a legal holiday or as new staff is added. Meet the majority of your annual regulatory training requirements by purchasing one or both of the webinars. Each webinar link will be accessible for up to 12 months. The $200 registration fee per webinar includes access to the webinar segment purchased and the power point presentation with commentary. The link allows unlimited replay for up to one year.

This two-part series provides high-level annual training for bankers in retail deposit, lending, operations and management. The first two-hour webinar focuses on deposit related topics involving mandatory reporting requirements under the Bank Secrecy Act, challenges with Reg. Edisputes and opt-in rules, Reg. CC hold examples and more.

Part-two focuses on annual training requirements for lending related functions. This two-hour webinar provides training on the Bank Secrecy Act specifically targeted to lending personnel, a fair lending review and update, a review of Reg. Z’s ability-to-repay requirements, recent changes to the flood rules and an overview of the mortgage disclosure changes.

Retail Deposit Segment - Part One:

• BSA – retail and operations focus (includes CTRs, SARs, CDD/EDD, AML, and CIP)• Reg. E (EFTA) – Error resolution and opt-in requirements• Reg. CC (Funds Availability) – hold types and time frames, coverage, and system validation tips• Reg. DD (Truth in Savings) – terminology, change in terms• Advertising and UDAAP

Presenters:Julie Gliha, MBA, CRCM, VP of regulatory compliance for Iowa Bankers AssociationJohn Gorenson, CRCM, Compliance Coordinator for Iowa Bankers Association

Lending Segment - Part Two

• BSA – lending and loan operations focus (includes CIP, AML, and SARs)• Fair Lending – recent enforcement actions, joint intent, same sex marriages• Ability to Repay (ATR) – documentation, modifications, assumptions• Integrated Disclosures – changes in forms and processes, preparation• Flood – Biggert Waters/Homeowners Flood Insurance Affordability Act, detached structures, and multi-family coverage updates

Online registration is available here.

BSA for Directors OnDemand Webinar$150 for WBA members

Wondering if there is an inexpensive and convenient way to train your Board of Directors on the requirements of the Bank Secrecy Act? Now there is. Register for this 25 minute on-demand training session specifically designed for the Board, educating them on the high-risk areas identified in the Bank Secrecy Act. Your link will allow repeated access to this session for up to twelve months.

This webinar includes information on -

• BSA Compliance Program• AML Compliance Program• Board’s Role in BSA/AML Program• Non-Compliance Risks and Penalties

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Online registration is available here.

http://www.iowabankers.com/aspx/iba/eventregistration.aspx?ed_key=3521

http://www.iowabankers.com/aspx/iba/eventregistration.aspx?ed_key=3390

Certified Banking

Security Technology Professional™ Course begins January 8

Self-paced, 10 weeks to complete.

Core Certification Price: $1,295.00

Register

WHAT YOU WILL LEARN: Incident Response Procedures

System Hardening

Mobile Device Management

Penetration and Vulnerability Testing

Patch Management

Social Engineering Testing

Perimeter, Network, and Endpoint Security

Data Backup and Replication

Certified Banking

Ethical Hacker™ Course begins January 15


Core Certification Price: $999.00

Register

WHAT YOU WILL LEARN: The four step process: information gathering, scanning, exploitation, and post exploitation

How attackers leverage the web

Post scanning, fingerprinting, and versioning techniques

Vulnerability scanning with Nessus

Exploitation and privilege escalation utilizing John the Ripper

Exploitation with Metasploit

Exploiting the human by “hacking” users

Post exploitation and meterpreter

https://certification.sbscyber.com/store/250925-cbstp-certified-banking-security-technology-professional#description

https://certification.sbscyber.com/store/252264-cbeh-certified-banking-ethical-hacker#description

Certified Banking

Incident Handler™ Course begins January 22



Register

WHAT YOU WILL LEARN: Incident Response Overview and Regulations

Incident Response Policy

Preserving Evidence and Data

RAM Acquisition

Corporate Account Takeover

Data Breach

Certified Banking

Mobile Administrator™ Course begins January 29



Register

WHAT YOU WILL LEARN: This course provides the attendee with a solid foundation on the theory and understanding of

Enterprise Mobility Management. This course will review mobile device management (MDM), mobile application management

(MAM), bring your own device (BYOD) programs and the development of a mobile first strategy. Participants will receive hands-on

training with policy development, mobile device management, mobile application threat assessment and EMM vendor solutions.

Certified Banking

Vulnerability Assessor™ Course begins January 29



Register

WHAT YOU WILL LEARN:

Regulatory Overview and Vulnerability Assessments

Vulnerability Assessment Tools

Perimeter Network Testing

Web Application Vulnerability Testing

Introduction to Packet Capture and Analysis

Remediation, Reporting and Action Tracking

Cloud, Remote Access and VPN Considerations

https://certification.sbscyber.com/store/250984-cbih-certified-banking-incident-handler#content

https://certification.sbscyber.com/store/251124-cbma-certified-banking-mobile-administrator#content

https://certification.sbscyber.com/store/251114-cbva-certified-banking-vulnerability-assessor#content

AIB Diploma/Certificate Application Please evaluate my eligibility for the following diploma/certificate:

_______________________________________________________________ (Please write the title as it appears on the WBA website: www.wyomingbankers.com)

Your Name (as it will appear on Diploma/Certificate) ___________________________________________________

Title __________________________________ Last 4 Digits of SSN ______________________________

Present Employer _______________________________________________________________________

Branch Street Address ___________________________________________________________________

City _________________________________ State ___________ Zip Code _______________________

Phone Number (______) ______ - ______ Fax Number (______) ______ - ______

Email Address _________________________________________________________________________

Your congratulatory letter and award will be sent to your CEO or a local Senior Manager. A copy of the congratulatory letter will be sent to you.

Please submit to the following address:

Wyoming Bankers Association P.O. Box 2190 Cheyenne, WY 82003


https://wyomingbankers.site-ym.com/

GSB Online Seminars January 2018

Co-Sponsored By: The Graduate School of Banking at the University of Wisconsin-Madison and the Wyoming Bankers Association

&

Upcoming Programs (listed in start date order): For additional information— including detailed seminar descriptions and presenter bios— and to register online, please visit http://gsb.virtualvenues.com/store

Introduction to Commercial Lending January 16 at 1:00-2:30 p.m. Mountain Time Price: $275 This webinar covers the basics of commercial lending and is a must for all new commercial lenders and/or those individuals who want to explore this vital discipline! The session will begin with a brief overview of conventional commercial lending versus SBA lending. Additionally, the concept of credit scoring will be explored. Next, the program will cover underwriting a commercial loan including a brief review of financial statement analysis (with emphasis on various cash flow analyses). Additionally, a standard loan write-up or written presentation format will be displayed. Finally, the session will conclude by reviewing various related concepts including negotiating a commercial loan, sources of commercial financing, and legal aspects of commercial lending. Program Objectives:

Define commercial lending

Discuss conventional commercial lending versus SBA lending

Explore credit scoring

Review underwriting a commercial loan including financial statement analysis (with emphasis on cash flow analyses)

Display a standard loan write up

Discuss negotiating commercial loans, sources of commercial financing, and legal aspects of commercial lending Target Audience: Credit analysts, branch managers, assistant branch managers, private bankers, and business development officers

FFIEC CAT Next Steps January 18 at 1:00-2:30 p.m. Mountain Time Price: $275 Completing the Cybersecurity Assessment Tool (CAT) is a critical step in maintaining compliance with FFIEC guidance. The CAT is only one of the steps in a series of necessary process enhancements. To effectively adopt a new cybersecurity risk management process, additional governance and program improvements will be required. Failure to take additional actions after the assessment process is complete will leave an institution exposed to cybersecurity threats. This session will review the expectations established within the new guidance, review how the assessment tool works, and provide answers and insight surrounding issues that have surfaced. The Cybersecurity Assessment Tool is the most significant regulatory publication released in years, and SBS will provide the processes necessary to fully utilize its results. Join us to explore the governance side of cybersecurity with documented policies and how to effectively integrate cybersecurity into your audit processes. The following topics will be addressed in this presentation:

http://gsb.virtualvenues.com/store

http://gsb.virtualvenues.com/store/279965-introduction-to-commercial-lending-sp18

http://gsb.virtualvenues.com/store/279965-introduction-to-commercial-lending-sp18

http://gsb.virtualvenues.com/store/280571-ffiec-cat-next-steps-sp18

June 2017 FFIEC Updates

Cybercrime overview

Board/CEO cyber responsibilities

FFIEC Assessment Process

Regulatory requirements to complete

Common questions when using CAT

Setting Cyber Risk Appetite

Gap Analysis and other steps after the risk assessment

Cyber Policy and Programs

Cyber Auditing Target Audience: Information Security Officer, IT Manager, Risk Officer, Internal Auditor, Board members, or other management team members looking for a solid understanding of the assessment process.

Accounting Basics/Refresher for Bankers January 23 at 9:00-10:30 a.m. Mountain Time Price: $275 This seminar will provide the banker with the basics/refresher of accounting. The seminar will demonstrate how the income statement, statement of owner’s equity, balance sheet, and statement of cash flows are developed and connect to each other. The seminar will also cover the ten step accounting cycle leading up to the creation of the financial statements including the rules of debits and credits, accrual versus cash basis accounting, adjusting entries, accounting for inventory and receivables, long-term liabilities and depreciation, proper analysis of the notes to the financial statements, types of financial statements, and the CPA opinion. The seminar will include several hands-on examples to reinforce the accounting concepts. Items covered include:

The four financial statements- income statement, statement of owner’s equity, balance sheet, and statement of cash flows

The ten step accounting cycle (business transactions to the post-closing trial balance)

Rules of debits and credits

Accrual versus cash basis accounting

Adjusting entries

Accounting for inventory and receivables

Long-term liabilities and depreciation

Analysis of the notes to the financial statements

Types of financial statements and the CPA opinion

Examples to reinforce accounting concepts Target Audience: Commercial lenders, credit analysts, loan documentation specialists, branch managers, private bankers, business development officers

Bank Lending for the Retail Manager January 24 at 9:00-10:30 a.m. Mountain Time Price: $275 Attend this proactive seminar and learn how banks make credit decisions based on the five C’s of credit- capacity (cash flow), capital (debt to equity), collateral (assets pledged), conditions (economic influence), and character (willingness to repay)! The seminar will cover the basics of the three main areas of lending- consumer, mortgage, and commercial lending. Each of the three areas will be illustrated with real life case studies including cash flow analysis. The attendee will also be exposed to loan structure, loan support, and documentation issues and how they are an intricate part of the lending process. Additionally, the basics of loan compliance will be provided including Reg B, Z, TRID, BSA, and Fair Credit Reporting. Objectives

Gain an understanding of how banks make lending decisions based on the five C’s of credit.

Learn about the three main areas of lending.

http://gsb.virtualvenues.com/store/273097-accounting-basics-refresher-for-bankers-sp18

http://gsb.virtualvenues.com/store/280560-bank-lending-for-the-retail-manager-sp18

http://gsb.virtualvenues.com/store/280560-bank-lending-for-the-retail-manager-sp18

Apply the three areas to individual case studies including cash flow analysis

Review the basics of loan structure, loan support, documentation, and loan compliance. Target Audience: Branch managers, relationship managers, loan documentation specialists, private bankers, business development officers and anyone new to the lending area

Creating the Right Enterprise Risk Management (ERM) Program for YOUR Community Bank January 25 at 1:00-2:30 p.m. Mountain Time Price: $275 Are you creating your first ERM Program for your bank? Do you want to ensure your current program is complete yet keep it simple? If yes to either question, this webinar is for you! Risk Management is at the heart of banking and every bank has to have processes, policies, and procedures in place in order to assess and manage the risks on their balance sheet. Marci shares the fundamental pieces of the ERM puzzle, how they relate to each other, and how to integrate your ERM program into the bank’s Strategic Plan. Having built an ERM program for a community bank from scratch, Marci describes the various components of a strong ERM program. In this educational session, you will learn how to put your program together using all the parts you already have in your bank. Marci shares how you can make the process fun and how your team will become closer as they work together with the common goal of protecting the bank’s assets while fulfilling your bank’s vision. Topics to be covered:

ERM general background and key definitions

Identifying the specific building blocks/components of a simple yet complete ERM Program covering the three key areas of ERM:

o Identifying and Assessing Risk o Mitigating and Eliminating Risk o Monitoring and Reporting Risk

Creating an ERM Committee Charter

Choosing the right ERM Committee members

Integrating the ERM Program into your Strategic Plan

Creating the Risk Management Appetite and Tolerance Statement – Description of Process

Implementing your ERM Program

Keeping the process fun while complying with regulations and protecting your bank—consistently in every area! Target Audience: Chief Risk Officers, Risk Managers, Chief Credit Officers, Chief Financial Officers, Compliance Officers, Internal Auditors, Board Directors who want to learn more about ERM, Bank Presidents involved in the risk management process and their ERM program

Business Law Basics and Lender Liability January 30 at 9:00-10:30 a.m. Mountain Time Price: $275 This seminar will provide the banker with a basic framework of business law including the judicial process. Emphasis will be placed on how the legal system can help/harm the banker including how to avoid a lawsuit due to lender liability through maintaining both ethical behavior and effective negotiations. A review of the stages of litigation, alternatives to litigation including arbitration and mediation, and the borrower’s business structure (from a legal perspective), will be displayed. The seminar will also cover the nature and characteristics of contracts (the promissory note), problem loan situations, and collection efforts. Additionally, banking regulations and tort reform will be discussed. This seminar will also cover the concept of lender liability including recent industry trends. This portion of the seminar will address some of the technical aspects of this often overlooked subject. This seminar is a must for all bankers who want to better understand business law basics and avoid expensive, unwanted litigation! TOPICS:

The difference between law and ethics and why it matters from a lender liability standpoint

Negotiations and the law

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The judicial process including the stages of litigation

Alternatives to litigation including arbitration and mediation

The borrower’s business structure and the law

The nature and characteristics of contracts

Problem loan litigations

Collections

Overview of banking Regulations

Other business law issues including tort reform and its impact on the borrower

Lender liability and recent industry trends

Technical aspects of lender liability Target Audience: Commercial lenders, relationship managers, business development officers, private bankers, branch managers, assistant branch managers, and credit analysts

About The GSB Online Seminar Series The GSB Online Seminar Series offers a convenient, cost-effective way to access quality educational opportunities. GSB seminars are designed to meet the dynamic learning needs of today's busy financial professional and are delivered by some of today's top industry experts. All sessions are recorded, so if you’re unable to attend one of the live presentations, it’s no problem! When you register for a GSB Online Seminar, you’ll have access to the live presentation as well as a recording of the live session in case you are unable to attend the entire program. There is no additional fee to view the recording, it’s included in your registration fee. It's your choice to attend the live session, view the recording—or do both—based on your schedule. With the GSB Online Seminar Series you'll benefit from:

Nearly 100 relevant, bank-specific courses that deliver must-know information

A variety of live, interactive courses offered throughout the year—each recorded for scheduling flexibility

Additional On-Demand seminars on popular topics available anytime, anywhere, to fit your schedule. Instructor contact information is provided so you have the ability to ask questions as you go through the recordings.

Competitive pricing—one fee allows multiple attendees to participate through a single connection and includes all handouts and materials

State-of-the-art technology that ensures a quality learning experience

The faculty and expertise of the nation's most respected graduate banking school

For additional information, please visit gsb.org

GSB 2018B A N K T E C H N O L O G Y

M A N A G E M E N T S C H O O L

April 8 - 13, 2018Fluno Center for Executive Education Madison, Wisconsin

Linking Technology Management to Bank Performance

This state-of-the-art program will broaden your understanding of the business of banking and information technology management, improve your productivity and value at your bank and help you to establish a network of professional colleagues with whom to collaborate and exchange ideas for years to come.

Two-Part Curriculum

The school has been divided into two core areas of study—the business of banking and strategic technology management.

Business of Banking CurriculumInformation technology professionals must understand their business context to make effective IT decisions for the bank. Core areas in this section include:

• Introduction to the Business of Banking

• Bank Performance Analysis

• Regulatory Environment

• The Future of Community Banking

Technology Management Curriculum

Through a mix of lecture, discussion and hands-on computer labs that include penetration and vulnerability testing, you’ll learn about:

• IT Project Management

• Vendor Management

• Leveraging Infrastructure and Emerging Technologies to Create YourBank’s Advantage

• IT Disaster Recovery & Incident Response Planning

• Information Technology Risk Assessment

• IT Exam Preparation Hotspots

• Hacking

Fees & Accommodations

Your tuition includes includes a non-refundable $350 registration fee, all instructional materials, five nights single occupancy lodging, full breakfast and lunch each day, a welcome reception, access to IT and banking industry experts and all computer lab sessions and software. Tuition for the 2018 session of the Bank Technology Management School is $3,150.

Register at gsb.org

Due to the hands-on nature of the school, enrollment is limited in this program, which has sold out in the past, so early registration is encouraged.

ALSO IN 2018

Bank Technology Security SchoolOctober 21 - 26, 2018 Visit gsb.org for details on this popular program!

Educating Professionals, Creating Leaders 800-755-6440 | gsb.org

Sponsored by:

Wyoming Bankers Association

CLICK HERE TO REGISTER ONLINE

https://www.gsb.org/it/Technology-Management-Overview.php

https://www.gsb.org/


The human resource function directly impacts your bank’s productivity and bottom-line results. That’s why HR professionals in financial services require a working knowledge of the business of banking as well as strong talent management and leadership skills. This one-week school is designed specifically for HR professionals in banking and ties together banking and human resource leadership.

Expand your knowledge of banking, human resource management and employee performance at this respected school—and establish a network of colleagues to exchange ideas for years to come. Topics are timely and relevant, and may include:

• Introduction to the Business of Banking

• Bank Profitability Analysis

• Asset/Liability Management

• Bank Regulatory & Competitive Environment

• Strategic Planning & Marketing

• HR’s Role in Building and Maintaining Company Culture

• Role of Benefits in Total Rewards

• Building a Talent Management Succession Plan

• Employment Law Update

• Developing a Base Compensation Plan

• Best Practices: Building and Refining Incentive Compensation Plans

All-Inclusive Tuition Adds Value Human Resource Management School tuition includes a non refundable $350 registration fee and all instructional materials. Tuition also includes a full breakfast and lunch daily, welcome reception, closing night dinner and five nights single occupacy lodging. 2018 tuition is $3,150.

Educating Professionals, Creating Leaders 800-755-6440 | gsb.org

April 15-20, 2018Fluno Center for Executive EducationMadison, WI

Scholarships available!See gsb.org for details

GSB 2018H U M A N R E S O U R C E

M A N A G E M E N T S C H O O L

Sponsored by:

Wyoming Bankers Association

CLICK HERE TO REGISTER ONLINE

https://www.gsb.org/hr/Human-Resource-Overview.php



Beyond the Fundamentals

2018 National School for Experienced Ag Bankers

This school will be limited to 60 students. Visit www.sdba.com.

June 25-29, 2018Black Hills State UniversitySpearfish, South Dakota

The 2018 National School for Experienced Ag Bankers targets ag bankers with a strong knowledge of financial analysis in ag banking who desire further training

in analyzing and troubleshooting more complex and problem credits.

This school will be limited to 70 students. Visit www.sdba.com.

Overview.....The 2018 National School for Experienced Ag Bankers, sponsored by the South Dakota Bankers Association, will be held on the campus of Black Hills State University in Spearfish, S.D., on June 25-29, 2018. The school targets ag bankers with a strong knowledge of financial analysis in ag banking who desire further training in analyzing and troubleshooting more complex and problem credits.

Housing.....Students will stay in new student housing in private rooms, with two units connected by a shared bathroom. Rooms are air conditioned with gorgeous views of the Black Hills. Campus housing is strongly encouraged, however, it is not required.

Tuition.....The registration fee includes tuition, on-campus housing, meals and student handouts.

l State Bankers Association Members: $1,695 per personl Non-Members: $1,795 per personl Deduct $75 per person if staying off-campus.l A $250 cancellation fee will be charged if canceled after June 8, 2018.l No refund if canceled after June 18, 2018. l Substitutions are allowed at any time.

Curriculum.....The Mega Trends of Agriculture and Agrilending: Global, national and regional developments in the economic outlook can have significant effects on the agricultural industry. Cortney Cowley will provide an overview of current economic conditions and describe implications for agriculture. Cowley will provide her views on drivers of change that will impact agricultural lenders’ customer bases. She will discuss recent data and developments in agricultural credit and finance.

Credit Analysis: Troubleshooting from Cash to Accrual: Multiple case examples, ranging from annual renewal requests to multiple entities examples and problem loan servicing, will be used to apply advanced techniques and financial metrics to evaluation of credit requests. Tools will include cash to accrual, earned net worth/earned equity and other approaches that can be used when you have imperfect information. Experienced lenders will add their insight to complex loan evaluation and servicing options.

Futures and Options and Your Customer: Are You Ready?: Examine a short and practical pre-harvest marketing plan with key elements including target

prices and decision dates. We will review pricing tools, including futures and options, and discuss the challenges of working with customers and a margin account. Experienced ag bankers will weigh in on their experiences.

Learning Better Ways to Tell Your Story. Public Relations and Government Relations in a Down Farm Economy: Banks are built like fortresses for a reason—just ask Willie Sutton. But it does not mean that, as a banker, you have to hunker in the bunker. Two Washington veterans of the persuasion business will help you become more engaged in the public relations and government relations arenas. As the farm economy tightens, it is imperative that bankers become more visible, not less. Nearly every poor farm economy in the past has been addressed initially by Congress with legislation that creates more credit opportunities for farmers and ranchers. Do you want to be part of that process or do you want to wait, as the banking industry did in 1916, when the first Federal Farm Loan Act was signed? Public relations and government relations matter and while they are part of the “soft side” of banking, they are no less important to your bank than asset/liability management or collateral control. To be a successful ag banker, you need a working knowledge of both.

Legal Aspects of Debt Collection: Are you a veteran of ag loan collection efforts? Do you understand what the following terms mean—mediation, foreclosure, replevin, bankruptcy (Chapter 7, 11, 12), subpoena, depositions, interrogatories, interpleader and receiver? Learn about these terms and more from two of South Dakota’s leading attorneys in this area of law—one who focuses on creditor representation and the other whose focus is representing debtors. This is a must attend session in these challenging times in agriculture.

The Global Economy and You: The economic environment is changing. The global economy appears to be stabilizing. The U.S. economic recovery continues to chug along with a few fits and starts. And, the Federal Reserve is raising rates. These broader macroeconomic shifts can have major impacts on agriculture. This session will explore evolving macroeconomic trends and how they impact agriculture and ag lending.

Case Study: Instructors will take you through a full-risk management case study dealing with grain, livestock and value-added production. Credit analysis and troubleshooting from cash to accrual, lender liability issues, commodity grain marketing fundamentals and the regulator’s role all become an integral part of the process. You will discuss credit analysis techniques and will be taken through a “live” case study that will provide maximum understanding.

2018 National School for Experienced Ag Bankers.....

Monday June 25, 2018

Tuesday June 26, 2018

Wednesday June 27, 2018

Thursday June 28, 2018

Friday June 29, 2018

11:00 am - 12:45 pmRegistration Lookout Lodge at the Peaks (campus map will be sent to all registrants in June)

1:00 - 5:00 pm

l Official Welcome & Orientation Denny Everson, Curriculum Coordinator

l Intro to School Halley Lee, SDBA School Administrator

l Integrity Behavior Styles Nate Franzen

l Mega Trends of Agriculture & Agrilending Cortney Cowley

7:00 - 8:00 amBreakfast




8:00 - 8:30 amRapid Fire



8:00 - noonLive Case Study

8:30 - 11:30 amCredit Analysis Troubleshooting from Cash to Accrual

8:30 - 9:30 amParadigms Shift, Principles Don’tDykhouse

8:30 - 9:30 amKitchen Table Strategic Planning

9:30 - 10:30 amMaking Heads or Tails of a Multi-Entity Farm OperationNeiffer

9:30 - 10:30 amProblem Loan Servicing

10:30 - 11:30 amLearning Better Ways to Tell Your StoryBlanchfield, Elfmann

10:30 - 11:30 amLegal Aspects of Debt CollectionHayes, Gerry

11:30 am - 12:30 pmLunch

11:30 am - 12:30 pmLunch

11:30 am - 12:30 pmLunch

Graduation

12:30 - 1:15 pmCredit Analysis Troubleshooting from Cash to Accrualcontinued

12:30 - 3:00 pmGuidance on Major Hot Topics Facing Farmers from a Tax & Business StandpointNeiffer

12:30 - 1:30 pmHow Can I Counsel Borrowers Without Facing Lender Liability?

Safe Travels Home

1:15 - 5:00 pmFutures, Options & Your Customer: Are You Ready?Usset, Miller

3:00 - 5:00 pmThe Global Economy & YouHenderson

1:30 - 4:30 pmFinancing Multiple Entities

5:30 - 7:00 pmReception & Dinner

4:30 - 5:00 pmIntroduction to Live Case Study

6:00 - 8:30 pmReception

Dinner on Your Own 7:00 - 9:00 pmEverything and the Kitchen SinkModerator: EversonPanelists: Instructors

Dinner on Your Own

study and supported by lectures and intensive analysis. You will be taken through a “live” case study and other rapid fire case studies. Instructors will provide valuable information and additional analytical tools that will inspire action as you learn to apply the techniques in more complex loans.

You will continue your education by learning about commodity grain marketing fundamentals through participation in a simulation game. Lender liability issues, grassroots efforts and the bank regulator’s role will also help “round out” your education. You will achieve higher skills that will help with early identification of problem loans and determining solution options.

Who Should Attend.....Ag bankers with a strong knowledge of financial analysis in ag banking who desire further training in analyzing and troubleshooting more complex and problem credits (three to five years ag banking experience recommended), ag loan officers, credit analysts, credit reviewers, regulators and FSA loan officers. The ideal candidate for this school is a graduate of the SDBA’s National School for Beginning Ag Bankers.

Why You Should Attend.....Now that you have some experience in credit servicing, credit analysis and risk rating, the instructors at this school will provide course material primarily by case

Class Schedule.....

DENNY EVERSON is co-developer of the SDBA’s beginning and experienced ag bankers schools. Everson is retired from First Dakota National Bank, Yankton, S.D., where he served as president of the agri-business division and director of branch administration. He currently serves on First Dakota National Bank’s Board of Directors. Everson served as chairman of the ABA’s Ag and Rural Bankers Committee. He received SDSU’s Distinguished Alumnus Award in 1999 and was recognized as SD Cattlemen’s Agri-Businessman of the Year in 1998 and 1993 and South Dakota Pork Producers Dedicated and Distinguished Service Award in 1998. He received the coveted ABA Center for Agricultural and Rural Banking’s Bruning Award in 2008 and was inducted into the South Dakota Hall of Fame in September 2015 for his contributions to agriculture.

ROBERT H. CRAVEN is an extension economist and director of the Center for Farm Financial Management, Department of Applied Economics, University of Minnesota. Areas of specialty include business management, credit analysis and grain marketing. His work for the Center has focused on development of FINPACK, a nationally-recognized ag credit analysis software. He is also on the development team for the “Winning the Game” grain marketing education programs. He has spoken at numerous conferences including the National ABA Ag Bankers Conference and the USDA Ag Outlook Forum.

NATE FRANZEN is president of the agri-business division at First Dakota National Bank in Yankton, S.D., where he and his team service more than $850 million in agricultural loans for the $1.4 billion bank. He grew up on a diversified family dairy, grain and beef cattle farming operation in northeast South Dakota and draws from nearly 25 years of ag banking experience. In 2011, Franzen was appointed to the American Bankers Association’s Agriculture and Rural Bankers Committee and served as chairman in 2015. In 2013, he spoke at the World Bank’s International Financing Agriculture Forum in Colombo, Sri Lanka. Franzen is a graduate of Class I of the South Dakota Agriculture and Rural Leadership (SDARL) Program, where he is a past president of its Alumni Association, joined its Board of Directors in 2013, and is currently chairman of the Board. Franzen is also currently chairman of the board for the SD Agricultural Foundation and serves on the SDSU School of Agriculture and Biological Sciences Advisory Board.

SAM MILLER is managing director, group head of agriculture banking for BMO Harris Bank, where he coordinates and leads production agriculture and agribusiness related banking activities. BMO Harris is the largest agricultural bank in Wisconsin and the eighth largest in the United States. Miller has more than

34 years of agricultural banking experience, the past 30 at BMO Harris Bank. Miller is a Bruning Award recipient, an award for excellence in ag banking presented by the American Bankers Association. He is a past chair of the ABA’s Ag and Rural Affairs Committee and a school director for the Wisconsin Bankers Association’s Advanced Ag Banking School.

DALE NORDQUIST is an extension economist at the Center for Farm Financial Management in the Department of Applied Economics at the University of Minnesota. His interests include farm business analysis, farm planning and software development. Nordquist has more than 25 years of experience in teaching farm management and developing software tools for farm financial planning and analysis. He has been a major contributor to the design and development of the FINPACK farm financial planning and analysis software.

CORTNEY COWLEY is an economist in the regional affairs department of the Federal Reserve Bank of Kansas City. Her current research focuses on agricultural finance, commodity markets, farm management, and natural resource economics and policy. Cowley’s responsibilities also include writing for the Tenth District Survey of Agricultural Credit Conditions and the Federal Reserve System’s Agricultural Finance Databook. Cowley joined the bank in 2015 after completing her Ph.D. in agricultural economics at Oklahoma State University. She also holds a B.S. degree in biosystems engineering from Oklahoma State and a M.S. degree in civil engineering from Colorado State University.

EDWARD USSET serves as a grain marketing economist for the Center for Farm Financial Management at the University of Minnesota, the developers of FINPACK software and a variety of educational programs. Working with his colleagues at CFFM and in Extension, Usset developed the award winning Winning the Game series of workshops. In addition, he manages Commodity Challenge, an online marketing education game that uses real-time cash and futures data. He teaches Commodity Markets at the University. The second edition of his book “Grain Marketing is Simple (it’s just not easy)” was released in November 2015. He is also a regular columnist for Corn and Soybean Digest.

DANA DYKHOUSE is CEO of First PREMIER Bank in Sioux Falls, S.D. Under Dykhouse’s leadership, First PREMIER Bank’s total assets and assets managed have grown from $250 million to more than $1.5 billion. Together with its sister organization, PREMIER Bankcard, the organization has grown from 175 employees to approximately 3,000. First PREMIER has been ranked as one of the top 10 performing financial institutions of its size in the nation since 1997 by the

School Faculty.....

School Faculty continued.....

American Bankers Association’s ABA Banking Journal, and First PREMIER Bank’s holding company was ranked number one in 2006.

PAUL NEIFFER is an agribusiness certified public accountant and business advisor specializing in income taxation, accounting services, and FSA planning related to farmers and processors. He works with farmers and processors providing income tax advice and compliance services and actively consults with farm families on succession planning issues and opportunities. Through his work with CliftonLarsonAllen, Neiffer helps farmers understand the proper use of accounting systems to more profitably run their business and helps structure farm operations to maximize FSA opportunities.

JOHN M. BLANCHFIELD founded Agricultural Banking Advisory Services three years ago. His company is an independent consultancy that is dedicated to helping community bankers improve their ag lending programs. Since starting his company, Blanchfield has published more than 20 articles on ag banking and has delivered more than 60 speeches to bankers and their customers. Recently, he has focused on best practices for ag bankers and on improving customer financial behaviors to ensure better communications between bankers and their customers. In 2015, the American Bankers Association created a new award named in his honor that celebrates his commitment to agricultural banking. ABA selects a Blanchfield Award recipient annually.

ED ELFMANN serves as vice president of congressional relations for the American Bankers Association in Washington, D.C. ABA is the voice of the nation’s banking industry, and nearly 5,000 banks—83 percent of all banks nationwide—have agricultural loans within their portfolio. Elfmann has been with ABA since June 2012 and is ABA’s head of policy on agricultural credit and lending issues. In addition to agricultural policy, Elfmann works on swaps and derivatives policy, financial services, appropriations and small business issues for ABA. Elfmann currently serves on the Chicago Mercantile Exchange’s Agricultural Markets Advisory Committee and the Commodity Futures Trading Commission’s Agricultural Advisory Committee. In 2015, he was selected to participate in ABA’s Leaders at all Levels leadership program.

JASON HENDERSON is a nationally recognized expert in agricultural and rural issues. Henderson is associate dean in the Purdue University College of Agriculture and director of Purdue Extension. In this role, he leads statewide public engagement and research-based education in 4-H youth development, agricultural

and natural resources, community development, and health and human sciences. As Purdue’s assistant vice president for engagement, Henderson provides leadership in university-wide initiatives that connect Purdue expertise and resources to statewide needs and helps form effective partnerships to grow Indiana’s economy and improve quality of life for its residents. He previously served as vice president and Omaha branch executive at the Federal Reserve Bank of Kansas City. While serving as the bank’s regional economist and Nebraska representative, he also led Federal Reserve efforts to track agricultural and rural economies, including the Tenth District Survey of Agricultural Credit Conditions and the Federal Reserve System’s Agricultural Finance Databook. He holds masters and doctorate degrees in agricultural economics from Purdue University in West Lafayette, Ind., and a bachelor’s degree in economics from Central College in Pella, Iowa.

CLAIR GERRY received his JD from the University of South Dakota in 1978. He was admitted to the U.S. Supreme Court of the United States; United States Court of Appeals, Eighth Circuit; and U.S. District Court, District of South Dakota. Gerry is a member of the State Bar of South Dakota, American Bar Association, Minnehaha County Bar Association, National Association of Consumer Bankruptcy Attorneys and American Bankruptcy Institute.

ROBERT HAYES is a member of the Banking and Financial Services Practice Group at Davenport Evans. He has long been recognized for his expertise in the field of creditors’ rights law, a fact reflected not only by his having served for years on the State Bar’s Debtor Creditor Committee but accumulating nearly a decade as chair of that committee. The recognition is not just local. Hayes has received an AV Preeminent® Peer Review Rating by Martindale-Hubbell®, for the highest level of professional excellence for their legal knowledge, communication skills and ethical standards. He has also been selected to Best Lawyers® in the areas of bankruptcy and creditor debtor rights/insolvency and reorganization law, and litigation– bankruptcy, and has been ranked by Chambers and Partners® in the areas of corporate/commercial and corporate/commercial: bankruptcy/restructuring law, and real estate. Hayes was ranked in the top 5 percent of practicing attorneys in South Dakota by Great Plains Super Lawyers® in the areas of banking, bankruptcy & creditor/debtor rights and real estate. He is one of several attorneys in the firm who advise school districts on a wide range of matters and is also relied upon by clients for his experience in real property law.

Full Name (as you wish it to appear on the certificate): ______________________________________________________________________

First Name (as you wish it to appear on your badge): _______________________________________________________________________

Bank Name: ___________________________________________________________________________________________________________

Bank Address: _________________________________________________________________________________________________________

City/State/Zip: _________________________________________________________________________________________________________

Phone Number: _________________________________________ Fax Number: ______________________________________________

Email Address: __________________________________________ Cell Phone: ________________________________________________

Age Range: 20-29 30-39 40-49 50+

This school will be limited to 70 students. Register early as the school fills quickly.

Send your registration form and payment to:South Dakota Bankers Association

PO Box 1081, Pierre, SD 57501Phone: 800.726.7322 | Fax: 605.224.7835 | www.sdba.com

Type of Entity(check only one) Independent Bank Independent Branch Holding Company Bank Holding Company Branch Holding Company Other

Total Assets of Bank(check only one) Under $5 mm $5–10 mm $11–20 mm $21–50 mm $51–100 mm $101–200 mm More than $200 mm Other

Total Banking Experience(check only one) 1–2 years 3–5 years 6–8 years 9–11 years 12–16 years 17 years or more

Ag Lending Experience(check only one) 1–2 years 3–5 years 6–8 years 9–11 years 12–16 years 17 years or more

___ Compliance___ Operations___ Lending___ Audit___ Loan Administration

___ Customer Service___ Public Relations___ Personnel___ Investments___ Credit Analysis

Rank order (1-5) of your major areas of bank experience: (1 indicates most experience, 2, 3, etc.)

Education High School Some College Associate’s Degree Bachelor’s Degree Master’s Degree Ph.D. Law Degree

Housing No Housing (see reg. fee) Staying On Campus: Male Staying On Campus: Female

No smoking is allowed in campus facilities.

List Bank Education Training: _______________________________________________________________________________________

________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________

Registration Fees.....The registration fee includes tuition, on-campus housing, meals and student handouts. State Bankers Association Members: $1,695 per person Non-members: $1,795 per person

All Sections of this Registration Form Must Be Completed

Deduct $75 per person if staying off-campus. A $250 cancellation fee will be charged if canceled after June 8, 2018. No refund if canceled after June 18, 2018. Substitutions are allowed at any time.

2018 National School for Experienced Ag Bankers ApplicationBlack Hills State University | Spearfish, S.D. | June 25-29, 2018

PLEASE PRINT

wyoming bankers association january 2017 · 2018-04-03 · aba training aib diploma/certificate...

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