wyoming bankers association november 2017 · the new truth in lending act/real estate settlement...

Wyoming Bankers Association November 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

RegChange (includes Compliance Perspectives: A Monthly Update)*

Directors Education Series - Monthly Series Available

TRID for Construction Loans – November 2, 2017*

BSA Series: 10 BSA Exam Hot Spots – November 2, 2017*

Basic Cash Flow Analysis – November 3, 2017*

Untangling the Web of Fee Disclosures – November 6, 2017*

Compliance Management System (CMS): What a Successful Program Looks Like – November 6, 2017*

Information Security Program Basics: Create and Build Your Program – November 7, 2017*

Lending 101 – November 7, 2017*

Violence in Your Workplace: Prevention & Response – November 8, 2017*

Employment Records and How to Keep Them – November 9, 2017*

Loan Participants for Community Banks: Risks and Rewards – November 9, 2017*

7 Habits of Highly Successful Supervisors – November 13, 2017*

HMDA 2018 Challenges with Taking Applications Part II – Commercial Applications – November 14, 2017*

Flood Insurance – November 14, 2017*

Countdown to CDD Rules: Where Are You Now? – November 15, 2017*

The UCC for Lenders – November 15, 2017*

Controlling the Risks of Power of Attorney Documents – November 16, 2017*

20 Legal Account Ownerships, Titles, Sample Signature Cards and Legal Documentation – November 16, 2017*

Commercial and Industrial (C&I) Lending in Today’s Competitive Market – November 17, 2017*

For Bankers, LOB Leaders and Sales Executives: The Guide to Building Your Business Work Plan for ’18 – November 20, 2017*

Developing an Incident Response Plan for an Information Security Breach – November 20, 2017*

Ratio Analysis to Determine Financial Strength – November 21, 2017*

Excel Explained: Managing Large Spreadsheets – November 27, 2017*

Living Trust Documents – November 28, 2017*

Critical Issues on Certificates of Deposit (CDs) – November 28, 2017*

Fraud Detection and Investigation – November 28, 2017*

Commercial Construction Lending – November 29, 2017*

2017 TRID Final Rule – November 30, 2017*

Robbery Awareness – November 30, 2017*

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

Bank Technology Management School – April 8-13, 2018* Human Resource Management School – April 15-20, 2018* Graduate School of Banking – July 29-August 10, 2018 Financial Managers School – September 9-14, 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

RegChange.com [email protected] (216) 356-6800

RegChange Regulatory Change

Management

Made Easy

A Complete Change Management System

Meet regulatory expectations and respond

promptly to changes in applicable laws and

regulations with:

• Daily summaries of updates applicable to your

institution

• Monthly webinars for you and your team

• Downloadable update feeds to keep your

entire institution informed

• Recording of duties, monitoring and record

retention features

• Pre-populated project plans to drive on-time

completion and implementation

• Reports to help meet target dates and

deadlines

• Easy to use administrator controls

• The security of Amazon Web Service hosting

with multi-factor authentication

Benefits • Never miss a change

• Add resources to your

program without adding

FTE

• Improve your Board and

committee reporting

• Manage a regulatory

change program in

minutes a day

• Improve your Compliance

Management System

(CMS)

• Month-to-month

subscription

• Cancel at any time

Contact the

Wyoming Bankers

Association for more information

RegChange.com

mailto:[email protected]

https://regchange.com/

TRID for Construction Loans A web-based seminar

Thursday, November 2, 2017 9:00 am – 11:00 am MT

WYOMING BANKERS ASSOCIATION

WHAT?

The new Truth in Lending Act/Real Estate Settlement Procedures Act Integrated Disclosure (TRID) rules were effective on October 3, 2015. Many lenders scrambled to master the details of the new disclosures. Construction loans were particularly difficult because of a lack of binding clarification of the requirements. But help has arrived.

On July 28, 2016, the Consumer Financial Protection Bureau (CFPB) published proposed rules to clarify the TRID rules for construction loans. Final rules were

published on July 7, 2017. The final rules are effective on October 10, 2017 and compliance is mandatory on October 1, 2018. While the revisions are available as of October 10, 2017 many of the changes will require system changes that must be completed by the mandatory compliance date.

Prior to TRID many construction loans were exempt from the old disclosure requirements; but TRID clearly expanded the scope of Regulation Z to cover most construction loans.

Initially the CFPB provided few details regarding completion of the Loan Estimate

and the Closing Disclosures for these loans. The 2017 revisions clarify many lingering forms issues. Unfortunately, the regulation still does not contain sample forms for construction loans.

WHY? The program provides an update on regulatory guidance for construction loans. Both the program and the detailed manual provided to attendees are updated for the 2017 revisions. The program explains coverage and exemption rules and provides section-by-section guidance on completing the Loan Estimate and the Closing Disclosure for the most typical construction loan options. Numerous form

samples are provided. The program provides answers for the many questions bankers have regarding the proper disclosure of construction loans.

Covered Topics:

When and why construction loans are covered by the TRID rules

How to complete the loan estimate and closing disclosure for:

o Construction only loans

o Combined construction/permanent loans (both one-close

and two-close)

o Permanent financing that replaces construction financing

How to properly estimate interest on a construction loan

The impact of a construction only loan versus a lot purchase/construction loan

When to disclose "Sales Price", "Estimated Value", or "Appraised Value"

How to determine the proper "Purpose" of the loan

How to properly describe the "Product"

The proper disclosure of projected payments

How to properly disclose inspection fees

How to disclose undisbursed construction funds

Completing the "Cash to Close”, “Optional Alternative Cash to Close" and "Cash to Close" in the Borrower's Summary of the Closing Disclosure

When the AP Table is needed and how to properly complete it

How to complete the "In 5 years" disclosure for short-term construction loans

When to include the "60 days prior to consummation" disclosure

Who Should Attend: The program is designed for those seeking answers to questions regarding the proper disclosure of construction loans. This program is designed for everyone involved in the origination of construction loans, those making decisions on

construction loan products, compliance staff and auditors.

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.

Cancellation Policy:

Refunds will be given only for cancellations received in written form 3 business days prior to the program. If your bank is unable to participate after registering, you can also elect to receive an OnDemand website link to see the webinar at no additional charge.

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.

BSA Series: 10 BSA Exam Hot Spots A web-based seminar

Thursday, November 2, 2017 12:30 pm – 2:30 pm MT


Program Content: Are you ready for your next exam? During this program, we will look at some of the examiner's hot spots for BSA. From new CDD rules, new CTR to high-risk customers and transactions, you will learn about all the new examination "hot spots". If you are a BSA officer and want to get ahead of the curve, this is the program for you. Covered Topics:

High risk transactions

High risk Customers

New Banking Services

New CTR

Developing risk and questionnaires for CDD

Developing your beneficial ownership program

Detecting Financial Crimes

BSA Sanctions and Violations And much much more… Who Should Attend: BSA Officers, Coordinators, Compliance Officers, Deposit and Loan Operation and anyone involved in the BSA Audit 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. Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days prior to the program. If your bank is unable to participate after registering, you can also elect to receive an OnDemand website link to see the webinar at no additional charge. 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: _________________________________

Expiration Date: _________________ CSC: _________

Signature: ____________________________________

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

Basic Cash Flow Analysis A web-based seminar

Friday, November 3, 2017 9:00 am – 11:00 am MT


Program Content:

Determining an entity's ability to generate cash flow is essential whenever repayment of a loan will extend beyond one year. Cash flow analysis measures an entity's ability to generate sufficient cash to operate successfully and have excess cash to service annual debt payment requirements. Understanding how to calculate and interpret cash flow is essential for successful

financial institutions. Learn how to calculate cash flow using the Universal Cash Flow Analysis method (UCA), which determines the flow of cash into and out of a business entity. First, we'll define cash flow and identify potential sources and uses of cash. Next we'll illustrate how cash flow analysis is actually the process of converting an Accrual Basis financial statement into a Cash Basis financial

statement. We'll cover the Rules of Cash Flow when determining cash flow generation from changes in asset, liability and capital accounts on balance sheets over time. We'll culminate by using a full UCA from beginning to end. Covered Topics:

Comparison of Traditional Cash Flow Method (Net Income + Depreciation + Interest divided by Annual Debt

Service) to the UCA model

Rules of Cash Flow

Accrual Basis versus Cash Basis of preparing financial statements, and how cash flow analysis links the two

How each amount on a Universal Cash Analysis is calculated and the meaning of each

A Fast Cash Analysis method that can achieve the same results in less time than the UCA method

Leave with a good understanding of how cash flow is calculated and more importantly, how to interpret its meaning. Who Should Attend:

Senior Loan Officers, Senior Credit Officers, Commercial Loan Officers, Branch Managers, Credit Analyst, Loan Review Personnel, and Consumer Loan Officers 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. Cancellation Policy:

Refunds will be given only for cancellations received in written form 3 business days prior to the program. If your bank is unable to participate after registering, you can also elect to receive an OnDemand website link to see the webinar at no additional charge. 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: _________________________________


Signature: ____________________________________


Untangling the Web of Fee Disclosures

A web-based seminar Monday, November 6, 2017

12:30 pm – 2:30 pm MT

WYOMING BANKERS ASSOCIATION Program Content: WHAT? "Oh what a tangled web we weave"... Walter Scott was referring to the web woven by people who intend to deceive others. The CFPB has created a "tangled web" while crafting regulations intended to prevent deception. This webinar will help you untangle the intricacies of numerous fee disclosure requirements.

The proper disclosure of fees on consumer loan transactions has always been

complicated, take for example the multi-page calculation of a finance charge in §1026.4. Fee disclosure has become more complicated over the past few years with the addition and revisions of rules for:

High-Cost Mortgages;

Truth in Lending Act/Real Estate Settlement Procedures Act Integrated Disclosures (TRID);

Ability to Repay/Qualified Mortgage Rules; and

Home Mortgage Disclosure Act/Regulation C.

Please note that the program materials include a list of examples of specific fees outlined in the regulation.

WHY?

Violations of any of the requirements listed above may result in: Regulatory reimbursement;Consumer lawsuits;Regulatory cures;Higher liability from the failure to meet QM standards; andCivil monetary penalties.This program provides the information needed to fully understand the rules and to avoid the liability inducing problems.

Covered Topics:

Upon completion of the program, participants understand that improper fee disclosure may result in violations. In some cases a violation of one section may result in one or more violations of other sections. It is a tangled web. For example:

A violation of the finance charge rules contained in §1026.4 may also cause a violation of the disclosure requirements in §1026.18 or §1026.38 since the finance charge is included in those disclosures;

Improper categorization of fees on the TRID disclosures contained in

§1026.37 and .38 may result in a violation of the tolerance rules contained in §1026.19;

Failure to follow the APR calculation rules contained in §1026.22 may result in:

o The incorrect APR appearing in the disclosures contained in §1026.18, §1026.32, §1026.37 or §1026.38;

o Inadvertently triggering coverage of §1026.32; o An inaccurate calculation of the rate spread disclosed on

the HMDA LAR and used to determine the applicability of the high-cost mortgage loan rules contained in §1026.32 and the higher-priced mortgage loan rules contained in §1026.35; or

o The incorrect disclosure of the HOEPA status disclosed on the HMDA LAR;

o An inaccurate determination of the higher-priced covered transaction status of a loan for purpose of determining which a transaction achieves safe harbor or presumption of compliance status for the ability to repay rules in Section 1026.43;

Failure to properly calculate the total points and fees as prescribed by the high-cost mortgage loan rules contained in §1026.32 can:

o Inadvertently trigger §1026.32 coverage; o Violate the disclosure rules contained in §1026.32; o Result in an incorrect entry on the HMDA LAR; and o Blow the Qualified Mortgage status for purposes of

§1026. 43; or

Failure to follow TRID rules contained in §1026.38 may result in the incorrect disclosure of the total of all itemized amounts that are designated borrower-paid at or before closing on HMDA LAR.

Who Should Attend:

This program is designed for everyone involved in the origination and management of consumer credit (including mortgage loans), including lenders, the compliance staff and auditors.

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.


Name: ___________________________________________

Bank: ____________________________________________

Adress: __________________________________________

City, State, ZIP: ____________________________________

Phone: ___________________________________________










e-materials





Method of Payment:



Mastercard Visa

Card Number: ______________________________________


Signature: _________________________________________


Compliance Management System (CMS): What a Successful Program

Looks Like A web-based seminar

Monday, November 6, 2017 12:30 pm – 2:30 pm MT


Program Content: Read virtually any enforcement order these days and you’ll see a common theme: a criticism of the institution’s Compliance Management System, or CMS. The thought process goes like this: if the institution had a better way to identify, manage, and remediate its risks, regulatory intervention and/or penalties may not be necessary, or to such a drastic degree. You could call this the credibility argument; the institution is just not credible when it comes to its compliance capabilities. This is not just a subjective exercise. There are very clear expectations around what institutions must have to meet regulatory expectations. Virtually all the federal regulators have issued guidance on what should be present in an effective CMS. This webinar will explore this topic and those expectations, along with providing guidance as to maintaining your institution’s CMS in order to be credible and minimize compliance risk wherever possible. Covered Topics:

What elements are necessary in a well-designed and managed CMS?

Regulatory guidance from various agencies

Operating in a 3 Lines of Defense environment

What are the roles of the business(es) and audit?

Separation of duties

What is management’s role in an effective CMS?

What will regulators be looking for? Who Should Attend: This program is designed for Compliance Officers along with their staffs; Internal Audit managers and their staffs; and members of bank management which oversee the Compliance function. 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: ______________________________________

*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: _________________________________


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

Information Security Program Basics: Create and Build Your Program

A web-based seminar Tuesday, November 7, 2017

9:00 am – 11:00 am MT


Program Content: Explore the fundamental building blocks of a repeatable framework for cybersecurity and information security issues. Your information security program can be more than a document created for compliance. We will help develop a program that provides your institution with clear direction and guidance that meets and exceeds regulatory expectations while addressing real-world risks. Some bank programs implemented today are a collection of documents pulled together over the years, that exists primarily to satisfy regulatory requirements. The Information Security Program should be a coordinated set of policies that work together to implement a unified set of controls across the organization. A daily playbook used by employees to fight cybercrime and not a collection of documents to satisfy auditors and examiners. Covered Topics:

Regulatory Requirements

Purpose of repeatable cybersecurity frameworks

Program Basics for a solid framework

Detailed explanation of framework components

Next steps for a comprehensive, valuable, repeatable framework

Making decisions with the framework

See new issues and technologies automatically handled by a solid framework

Who Should Attend: Information Security Officer, IT Manager, Risk Officer, Internal Auditor, and Executives looking to improve their Information Security Program. 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: ______________________________________











e-materials





Method of Payment:



Mastercard Visa

Card Number: _________________________________



Lending 101 A web-based seminar

Tuesday, November 7, 2017 12:30 pm – 2:30 pm MT


Program Content: In this unique webinar, Anne Lolley will provide an overview of federal compliance laws. This is a great training tool for newer lenders and processors, and the webinar will help even experienced bankers understand the source of the various requirements. All information in the webinar will be clearly-documented in a colorful and user-friendly handbook. This is a wonderful resource manual - lenders, loan processors and compliance officers will refer to this booklet time and time again. In addition to providing compliance summaries, the booklet offers specific cites to help readers locate rules, as well as a detailed, alphabetical index. Covered Topics:

Appraisals and evaluations

BSA requirements

Credit practices rule

Environmental rules

ECOA requirements (joint applications, adverse action, notices, copy-of-appraisal requirements)

Federal insurance disclosures

Flood insurance

HMDA and non-HMDA monitoring

Homeownership counseling

LTV limits

Military Lending Act

Privacy

RESPA

Reg U

Risk-based-pricing

Servicemember Civil Relief Act

Service member requirements

Tenants in foreclosure

Truth-In-Lending (right of rescission, TRID) Who Should Attend: All the webinar information will be documented clearly in a handbook with an index, helpful charts and citations. Lenders, loan processors and compliance officers will refer to this booklet time and time again. Plus, this webinar can be invaluable for newer lenders and processors. "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 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.


Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










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: _________________________________



Violence in Your Workplace: Prevention & Response

A web-based seminar Wednesday, November 8, 2017

12:30 pm – 2:30 pm MT


Program Content: Workplace violence takes its toll - physically, emotionally and monetarily. How many people are currently contemplating committing an act of violence in the workplace? Preventing these acts is much preferred and more cost-effective than cleaning up afterwards. It’s essential that we train employees to recognize pre-incident indicators and report them before an act of violence occurs, but it is also critical to have a plan in place to respond should the unthinkable occur. We will analyze recent cases to identify unheeded warnings, and then identify physical security measures and procedures that either were not in place or were ignored. Participants will have a clear understanding of the existing violence problems; ways to recognize warning signs; prevention policies and methods, and how they should respond in an active shooter situation. This session will benefit you not only in your work life, but your personal life as well. Have you ever thought how you would react in a robbery? A violent confrontation? An active shooter situation? Covered Topics:

Recent Case Studies

Recognizing Warning Signs

Handling Domestic Violence Situations

“Best Practice” Methods for Violence Diffusion and Prevention

Preventive Physical Security Measures

Active Shooter Response

Types of workplace violence

De-escalation techniques Who Should Attend: Any branch personnel responsible for physical security of the bank or credit union. Presenter: Carol Dodgen is the owner of Dodgen Security Consulting, LLC. Since 1998, her company has been providing services for financial institutions, government entities, and businesses to include training, ATM lighting inspections, and vulnerability assessments. Before forming her company, Carol served as the security training officer for Compass Bank. She earned her Master's Degree in Criminal Justice and spent several years as an adjunct criminal justice instructor with Jacksonville State University. Carol is a nationally recognized speaker who has provided training for over 80,000 corporate, manufacturing, law enforcement, and security personnel over the past 24 years. Carol earned her CPD (Crime Prevention Designation) and in 2011, she was selected as a presenter on Workplace Violence at the ASIS International Conference. Carol is a current member and past chapter president of the American Society of Industrial Security (ASIS), a member of the Illuminating Engineering Society (IES), the IES Security Lighting Committee, and a past board member of the Alabama Women in Business. In 2009, Carol was appointed by the governor to serve on the newly formed Alabama Security

Regulatory Board and served for 6 years as vice-chair of this board which regulates the security guard industry in the state. 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



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: _________________________________


Signature: ____________________________________


Employment Records and How to Keep Them

A web-based seminar Thursday, November 9, 2017

9:00 am – 11:00 am MT


Program Content: This program provides information not just on what records you should keep and for how long, but on the several underlying and even more important issue of record creation, storage, and the DON'Ts which create the major liabilities. Human Resources, payroll, safety, and auditing professionals have ongoing questions about what employment records are required to be retained, and for how long. However, this is only the start of the issues. The legal requirements and employer liabilities go far beyond these simple issues. Covered Topics:

How do you keep records?

Who has access?

Why are you in trouble if you only follow the legal time requirements?

Should you "archive" all records?

What creates "records"?

What creates "problem records" you did not even know you had?

What records should you NOT create?

The penalties for NOT preserving that the laws don't even mention

How do the courts view your record retention? Who Should Attend: Human Resources personnel, Managers, Accountants, and anyone employing others will benefit from this webinar. 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. 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 Participations for Community Banks: Risks & Rewards


12:30 pm – 2:30 pm MT


Program Content: This program covers the risks and rewards of loan participations to both the lead bank and the purchasing bank. Attendees will gain a thorough understanding of Participation Agreements.

A participant's checklist for a well-drafted Participation Agreement will be reviewed, and administration of the participated loan will be discussed.

Covered Topics:

Advantages of a participation to the lead bank and participant bank

Risks to the participant o Lack of information o Lack of involvement in negotiations o Dependency upon lead o Waivers o Financial instability/insolvency of lead o Set-off by borrower o Failure to perfect o Conflicts of interest

Due diligence by the participant and access to information

Disclosure of participation to borrower

Concentrations and other regulatory aspects of participations

Loan agreement provisions related to participations

Duties owed by lead to participant

Rights to loan collateral and guaranties

Loan administration issues o Loan payments and other functions o Consent to amendments o Restrictions on transferLoan purchase

options o Reimbursement and indemnification

obligations o Subparticipations o Set-off by participant o Understanding the participation agreement o The participant's checklist o The participation in workout

Who Should Attend: CRE lenders, commercial lenders; credit analysts, loan review specialists, special assets officers, lending managers and credit officers. Support personnel involved in the administration of loan participations are also encouraged to attend.

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.


Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



7 Habits of Highly Successful Supervisors


12:30 pm – 2:30 pm MT


Program Content:

A positive, real-world approach for delivering extraordinary results. We will reveal the key components to your supervisory success! A focus on techniques and strategies that will help you handle your job responsibilities successfully and will increase your personal job satisfaction. If you need others to take direction from you in order to succeed, you will find this program of tremendous value!

Supervisors must master the art of juggling - staff, schedules, meetings, compliance concerns, goals that must be met, deadlines that won’t wait, on-going training needs, serving as a back-up for the employee that didn’t come in...the list goes on and on. We'll discuss how to keep all the balls in the air without breaking a sweat. This program will ramp up your leadership skills and address critical supervisory issues necessary to becoming an

extraordinary supervisor.

Covered Topics:

Acknowledge Your Role – Learn the value of boundaries. Find balance between your need for approval and the larger

need for meeting team and company goals.

Plan and Prioritize – Realize that your primary job is to make

sure that everything that needs to get done gets done. Planning and prioritizing departmental tasks, and assigning the right tasks to the right people, is the key to everyone’s

success.

Be Accessible – Take the time to walk around your

department so you can see and hear what is going on. It’s a great way to find and take advantage of "coachable moments". Establish routine coaching appointments with

your staff to create consistent, timely accessibility.

Encourage Teamwork – Foster input from team members and demonstrate how the success of one benefits the entire

team and positively impacts the entire organization.

Communicate Upward and Downward – Let your team in on

the reasons behind decisions, then listen and share their input and concerns. You will create a happier, more productive workplace.

Delegate – Delegating not only helps you manage your workload, it helps team members develop important skills

and become more self-supervising. Provide encouragement and follow-up, so team members know they have the support and resources they need.

Discipline Effectively – Set clear expectations. When it comes to performance concerns, be specific with team members. Let them see how their actions impact the team

and the organization.

Who Should Attend: Supervisors both experienced and new, those with supervisory

responsibilities, and those that manage supervisors.

Presenter: Honey Shelton brings the best of both worlds to her speaking and training engagements. She has 30 plus years of experience as a

training and quality improvement consultant for banks and banking associations across the country. Her substantial banking background includes spending three years as Executive Vice President/Chief Retail

Banking Officer with a $1 billion south Texas bank.

Nationally recognized as an outstanding speaker, over a half million bankers have participated in programs Honey has presented. Her depth of knowledge, enthusiasm, and compelling personality have left

a lasting mark on InterAction Training, the firm she founded in 1983.

As a graduate of the School of Bank Marketing from the University of Colorado, she realizes the value of quality education. Honey invests time as a faculty member for banking schools around the country. She

is a repeat presenter for most of the state banking associations and has accumulated an impressive client list that includes over 600 banks,

credit unions, and other organizations. Globally, she presented a program in the south of France for an international, energy-related firm.

Honey has a coaching practice specializing in helping others pursue professional excellence and is the author of numerous published

articles and training manuals. Her first book, Coaching Yourself & Others will be released soon.

Honey continues her personal pursuit of excellence and has obtained certification in Reality Therapy from the William Glasser Institute as

well as certification from the Training and Development Program at Texas A&M. She is an EverythingDiSC Certified Distributor and Trainer.

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: _________________________________



HMDA 2018 Challenges with Taking Applications Part II – Commercial

Applications A web-based seminar



Program Content: (Note: Consumer Applications will be covered in Part 1 on October 12th, 2017)

Are you prepared for these sweeping changes? HMDA reporters must

follow the new rules for applications when final action is taken on or after January 1, 2018. Many banks do not have a formal “application” form for commercial and agricultural loan requests. While the reporting

process may be more streamlined in the mortgage and consumer area, there will be significant changes for business purpose applications. The “dwelling secured” standard was generally adopted for closed-end

loans and lines of credit for consumers. Business or commercial loans have both the loan purpose test and the dwelling secured test. Business or commercial purpose loans and lines of credit are

reportable only if the purpose of the loan is for home purchase, home improvement, or refinance and the loan is secured by a dwelling.

What type of business purpose loans will be reported? What factors are considered in the purpose test? What if the collateral is a “mixed

use” property? Lenders must request applicants and co-applicants who are “natural persons” to identify their ethnicity, race, and sex; this requirement does not apply to a corporation, partnership, LLC, or

guarantors. Will the data collection forms you are currently using provide all the required fields for the new reporting requirements?

There are approximately 48+ “working days” from this presentation

until January 1, 2018. There are very few parts of the existing rules that will remain unchanged and there are 110 data elements in the new rule. Will you be ready for these extensive changes? Attend this session and learn more about application processing for consumer

loans under the new rules and gain valuable tips that will help your bank prepare for 2018.

Covered Topics:

Coverage issues – Which COMMERCIAL applications are

covered loans that require data to be collected at the time of application? What types of dwellings are included? Best practices for documenting that applications for agricultural

purpose are EXEMPT!

What data will be reported? What data will be excluded for

business applications? Business purpose loans have many fields that are “not applicable”.

What is the correct application date?

Identifying the correct loan purpose – there are FIVE options

and rules for multi-purpose loans.

What does the front-line need to know about these changes?

Suggestions for potential problems with collecting, reporting,

and validating the data fields for “applicant” and applications in these required fields and understanding when they may NOT be reported:

o Age for applicants who are “natural persons”, for example a sole proprietor

o Income – when is reporting required?

o Reasons for denial

o Application date

o Ethnicity, race and sex

Disaggregation of ethnicity and race

Explanation for 13 KEY points about

data collection including loan applications that begin in 2017 but final action is taken on or after January 1,

2018.

Who Should Attend:

This informative session is designed for lenders, personal bankers, loan assistants and processors, loan operations staff, compliance

officers, fair lending officers, IT staff, and auditors.

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.


Name: ___________________________________________

Bank: ____________________________________________

Adress: __________________________________________

City, State, ZIP: ____________________________________

Phone: ___________________________________________










e-materials





Method of Payment:



Mastercard Visa

Card Number: ______________________________________


Signature: _________________________________________


Flood Insurance A web-based seminar

Tuesday, November 14, 2017 9:00 am – 11:00 am MT


Program Content: The flood insurance regulations have been around since 1996, yet examiners continue to cite numerous violations and fines. Flood has been announced as one of the regulators' principal areas of concern. We've also had changes in the law, with the Biggert-Waters Flood Insurance Reform Act of 2012, that has influenced compliance efforts. The NFIP was temporarily extended through the end of this year but there are significant changes coming to the program due to severe financial issues. These changes won’t just change the economics of the program; there will be compliance changes, too. We’re not positive what those will be yet, but there are tea leaves to read.

We'll concentrate on some of the more vexing current issues in flood compliance, such as monitoring, contents coverage, and the ever-present condo problem, by talking through sample scenarios and explaining best practices in keeping your portfolio covered.

Covered Topics:

What exactly do the flood insurance rules cover?

What is a covered structure or an insurable mobile home?

Determinations: when you must do them, reliance upon previous determinations, disputes over their results, and the role of life-of-loan coverage

Flood zone discrepancies - how to deal with them

Insurable value - what is it and how is it calculated?

Coverage Amounts: "Normal" situations, condo coverage, multi-structure, and construction situations

"Knowledge is King" - when you have to know

Documentation and retention: the Standard Flood Hazard Determination Form, notice to customers, and proof of insurance

What do you have to monitor?

The types of policies and their limitations, including NFIP (National Flood Insurance Program) and private policies

Force-placing insurance - why and how

Insurance premiums and Congressional action

Increasing regulatory expectations

Who Should Attend: This interactive session will give an in-depth understanding of these rules and is imperative for anyone performing duties in real estate lending areas of the financial institution. This includes loan officers, supervisors, auditors, closing agents, compliance officers, trainers and others working in these types of positions.

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: _________________________________


Signature: ____________________________________


Countdown to CDD Rules: Where Are You Now?

A web-based seminar Wednesday, November 15, 2017

9:00 am – 11:00 am MT


Program Content: Ready, set go! It’s time to implement new CDD rules for legal entities customers. Final rules go into effect on May 11th, 2018. This is a practical approach to implementation of the regulation for legal entities and consumers. FinCEN believes that there are four core elements of customer due diligence (CDD), and that they should be explicit requirements in the anti-money laundering (AML) program for all covered financial institutions, in order to ensure clarity and consistency across sectors:

Customer Identification and Verification

Beneficial Ownership Identification and Verification

Understanding the nature and purpose of customer relationships to develop a customer risk profile

Ongoing monitoring for reporting suspicious transactions and, on a risk-basis, maintaining and updating customer information

Covered Topics:

Final rule and changes

What is a legal entity?

Who is included and excluded?

What special rules do we add for beneficial owners?

Do we have to use the new form?

Can we gather beneficial ownership information at lower amounts than 25%?

Do we have to use our same CIP for beneficial owners or can we use a different but similar CIP?

Are trusts covered? IOLTA?

How does this work on a multi-tiered business?

What do we do on charities and nonprofit organizations?

Does this apply to sole proprietorship accounts?

How do we risk rate? Monitor?

Develop new procedures and policies for business accounts

What You Will Receive:

Sample Policy

Sample Legal Entity Handbook with procedures

Script for consumers and legal entities Who Should Attend: BSA Officers, BSA Staff, CIP and Deposit Operations, Branch Personnel, Training, Compliance and anyone who opens legal entity accounts. 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.


Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials





Method of Payment:



Mastercard Visa

Card Number: _________________________________



The UCC for Lenders A web-based seminar

Wednesday, November 15, 2017 12:30 pm – 2:30 pm MT


Program Content: Gain a thorough understanding of UCC secured lending transactions and how they work. This webinar provides a comprehensive overview, including perfecting security interests, documentation, filing, analysis of lien positions, common mistakes and more. This program is a comprehensive Uniform Commercial Code (UCC) secured lending program for persons new to banking and is also recommended as a refresher. Perfecting a valid, enforceable security interest on various types of commercial and consumer collateral is the focus, including documentation, filings and analysis of lien positions. Covered Topics:

Overview and UCC definitions

Article 9 secured transactions

Perfection and attachment

Rules of priority

UCC forms and how they work: UCC-1, UCC-3, UCC-5, UCC-11

Common mistakes: debtor names, collateral descriptions, filing locations

Titled assets

Special rules for intellectual property

Special filing offices Who Should Attend: Lenders, loan support staff and loan quality personnel at any level. 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: _________________________________


Signature: ____________________________________


Controlling the Risks of Power of Attorney Documents


12:30 pm – 2:30 pm MT


Program Content: Financial institutions are required to complete transactions for customers involving Power of Attorney documents. To protect your financial institution's interests when using these documents, it is imperative to understand the basic do's and don'ts. This presentation will provide financial institution personnel with best practices to use when dealing with these complex legal documents. Covered Topics:

What are the relationships among the customer, the attorney-in-fact and the financial institution?

What is the difference between a durable and non-durable power of attorney?

How does a financial institution determine if a power of attorney is general or limited?

What steps must a financial institution take to protect itself when relying on a Power of Attorney?

What language should the financial institution look for in the Power of Attorney document when completing a transaction for the attorney-in-fact?

How is a Power of Attorney revoked and when is that revocation binding on the financial institution?

What transactions create the greatest risks for financial institutions relying on power of attorney documents?

What attorney-in-fact representations may a financial institution typically rely upon?

How should a financial institution handle out-of-state powers of attorney?

Who Should Attend: Financial institution employees involved with opening new accounts, deposit or loan documentation and operations will find this seminar very useful. 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.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



20 Legal Account Ownerships, Titles, Sample Signature Cards and Legal

Documentation A web-based seminar



Program Content: This program is an A-Z on account ownership and documentation. We'll go from single party accounts to more complex business accounts. It is a must for anyone who opens or manages new accounts. Your financial institution's signature card, documentation and authority procedures can create big liability if you don't understand the type of ownership and the checks that go with these accounts. Covered Topics:

How to open and document personal accounts, fiduciary accounts and business accounts

How setting up accounts improperly can created liability for your financial institution

Creating consistency in your organization on how accounts are opened

Signature Card danger zones and what can go wrong

How CIF systems can create errors in ownership and signature card conflicts

How to add owners, make changes and other issues after the account is opened

How to follow the authority trail established in the paperwork

What can attorneys-in-fact do and not do on individual accounts

How to change business accounts signers and owners

And much, much more... Who Should Attend: New accounts representatives, call service representatives, branch managers, assistant branch managers, branch administration, deposit operations, BSA CIP personnel, training and anyone who works with or manages the new account function. 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: _________________________________


Signature: ____________________________________


Commercial and Industrial (C&I) Lending in Today’s Competitive

Market A web-based seminar

Friday, November 17, 2017 9:00 am – 11:00 am MT


Program Content: This seminar will begin with a brief overview of Commercial and Industrial (C&I) loan products including working capital lines of credit, ABL facilities, and equipment financing (loans/leases) and their typical structure. The training session will also cover underwriting C&I loans including accounts receivable assessment and the use of a “Borrowing Base Certificate” (basic and advanced models), the valuation and quality of inventory, and the analysis of various equipment-related issues in lending. This portion of the seminar will also cover the proper evaluation of the borrower’s financial statements. Additionally, the seminar will cover documentation of C&I loans, collateral concerns, challenges with pricing, and managing the C&I loan portfolio. The seminar will conclude with a review of how to identify and market to new C&I loan prospects in today’s competitive market. Covered Topics:

Review C&I lending

Discuss C&I loan products and their typical structure

Explore underwriting C&I loans including accounts receivable, inventory, and equipment financing

Analyze the Borrowing Base Certificate (BBC)

Evaluate the borrower’s financial statements

Review the documentation, collateral, pricing, and managing of C&I loans

Develop the marketing of C&I loans in today’s economy

Who Should Attend: Commercial lenders, credit analysts, loan documentation specialists, branch managers, private bankers, and business development officers 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 17 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 Regis University and 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: _________________________________



For Bankers, LOB Leaders and Sales Executives: The Guide to Building Your Business Work Plan for 2018


11:00 am – 12:00 pm MT


Program Content: The problem with most ‘business plans’ is that you spend a great deal of time creating them, and once complete, they are shoved into a binder somewhere. What most Relationship Managers really need is a living, working sales plan. This webinar on The Guide to Building Your Business Work Plan will give you just that. It provides you with a working template that contains the essential components for banks and credit unions to customize to build your own sales success workplan. It is designed to help you identify, address and overcome sales obstacles so that you can reach your goals for acquiring and deepening client relationships. Covered Topics: This one-hour webinar will help RMs and their Leaders:

Develop a personal and business workplan that will help drive desire and commitment for extraordinary success in sales, both individually and as a team

Establish and connect individual personal goals with business goals

Utilize a template to implement a disciplined process to stay on track and focused on the priority drivers of business

Who Should Attend: Salespeople, LOB leaders and sales executives in all lines of business, tellers, supervisors and trainers will all benefit by this webinar. Presenter: Jack Kasel, Sales Development Expert with Anthony Cole Training Group, has 30+ years’ experience in sales and sales management spanning a host of industries including software, transportation, vending and printing services. During his tenure at FedEx, he oversaw all aspects of regional training prior to being promoted to District Manager. Jack brings the deep experience of feet on the street, practical selling as well as the coaching and training background to make a difference in your organization. Alex Cole is the Director of Recruiting with Anthony Cole Training Group. After graduating from the University of Dayton with a double major in Marketing and Sales, Alex went to work for the largest recruiting company in the country, honing and developing her network and recruiting skills. In January of 2016, Alex joined the ACTG team to cultivate and advance their specialty division - Hire Better Salespeople. She helps financial companies recruit, assess and develop the right salesperson for their team. Not everyone is cut out for the sales life and that's where Alex comes in - to help banks find those that can and WILL sell. 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: _________________________________



Developing an Incident Response Plan for an Information Security

Breach A web-based seminar

Monday, November 20, 2017 12:30 pm – 2:30 pm MT


Program Content: We’ve all heard the news concerning the breach at Equifax. It isn’t a matter of "if" but "when", when it comes to an event that exposes confidential customer or corporate information. Any breach regardless of the type or size can be potentially devastating. Financial losses are not the only concern, what about your reputation? Financial institutions are particularly vulnerable by the very nature of the business. You have information that thieves want, information they can parlay into cold hard cash, if not the cash itself. Despite the fact that rapid response is key to successfully responding to a data breach and minimizing the negative effects, the financial services industry is mandated to implement security controls that include identifying potential risks, monitoring for and detecting unauthorized access, mitigating the outcome, and notifying customers, law enforcement, and regulators when it does happen. Examiners will be looking for your plan now more than ever. Covered Topics:

Key regulatory requirements including state level data breach notification laws

Key elements of an Incident Response Plan

Computer Incident Response Team

Roles and Responsibilities

Overview of types of incidents

Response steps

Things you can do that may help prevent a breach Who Should Attend: Senior management, audit, compliance, risk management, security officers, operations, IT or anyone responsible for developing and executing the incident response plan or involved in the handling of an incident. Presenter: Susan Orr is a leading financial services expert with vast regulatory, risk management, and security best practice knowledge and expertise. As an auditor and consultant, Susan is dedicated to assisting financial institutions in implementing appropriate policies and controls to protect confidential information and comply with regulatory mandates and best practices. Her expertise as an auditor and former examiner provides her the knowledge and expertise to conduct comprehensive IT general control and data security reviews and assist de novo institutions in the vendor selection process, preparing policies and procedures, and instituting controls. She also consults for numerous security providers and vendors helping them align products and services to meet institution regulatory mandates. Susan is a Certified Information Systems Auditor (CISA), Certified Information Security Manager (CISM), Certified in Risk and Information Systems Control (CRISC), and Certified Risk Professional (CRP). 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: _________________________________



Ratio Analysis to Determine Financial Strength


12:30 pm – 2:30 pm MT


Program Content:

Credit (Risk) Analysis is one of the most important functions performed by banks. Because interest and fee income from loans represent the largest source of revenue for banks, thorough credit analysis must be performed before loans are approved and funded.

Credit Analysis starts with spreading historical financial statements and then calculating key ratios to determine the financial health of an organization. Learn the five vital signs of any organization and the ratios required to identify the signs. A detailed identification and definition of ratios will be included.

Covered Topics:

Liquidity o Current / Quick Ratios o Working Capital Analysis o Defensive Interval Ratio o Activity Ratios for Working Capital Assets o Activity Ratios for Working Capital Liabilities

Leverage o Ratios to Measure the Proportion of Support

Provided by Owners and Creditors

Asset Management o To Measure the Ability of Management to Use

Assets to Generate Sales and Profits

Operations o Performance Ratios to Measure the

Relationship among Sales, Costs and Expenses, and How their Changes Affect the Bottom Line

Cash Flow o Uniform Cash Analysis to Determine Sources

and Uses of a Firm's Cash as a Means of Serving Long-Term Debt

Leave with a deeper understanding of ratio and credit analyses during the underwriting process. This translates into well-organized, clearly written credit memoranda so you'll be more

confident explaining trends and the financial impact on customers and prospects.

Who Should Attend:

Credit AnalystsCommercial LendersConsumer LendersSenior Credit and Loan OfficersLoan Review OfficersAuditorsDirectorsBranch Managers"The best webinar I have ever taken...BY FAR!" -Charlie S., Arvest Bank

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.


Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________


Signature: ____________________________________


Excel Explained: Managing Large Spreadsheets


12:30 pm – 2:30 pm MT


Program Content:

When it comes to managing large spreadsheets, users often feel stressed about a multitude of issues. In this beneficial presentation, Excel expert David Ringstrom, CPA, demonstrates several ways you can manage large spreadsheets with aplomb. His tips will help you save time, improve the integrity of large workbooks, avoid repetitive tasks, and much more.

David demonstrates every technique at least twice: first, on a PowerPoint slide with numbered steps, and second, in Excel 2016. He’ll draw to your attention any differences in Excel 2013, 2010, or 2007 during the presentation as well as in his detailed handouts. David also provides an Excel workbook that includes most of the examples he uses during the webcast.

Covered Topics:

Switching between Custom Views by way of a hidden drop-down list you can enable on Excel’s Quick Access Toolbar.

Restoring "classic" Print Preview functionality in Excel 2007 and later.

Seeing how to view two worksheets from within the same workbook at the same time.

Avoiding repetitive work by creating a keyboard shortcut for Excel’s Freeze Panes feature.

Saving time when aggregating data from multiple worksheets with Excel's INDIRECT function.

Understanding the difference between manual and automatic calculation modes in Excel.

Using Excel's Custom Views feature to apply different print settings, including orientation and margins, to a single worksheet.

Learning the power - and the risks - of grouping worksheets.

Using the Group and Ungroup feature to expand or collapse rows and/or columns.

Simplifying repetitive tasks by creating your own keyboard shortcuts.

Learning a simple technique that can reduce the size of a large Excel workbook by 1/3 or more.

Learning how to deal with annoying changes to Print Preview in Word 2010 and later.

Learning Objectives:

Apply the Watch Window feature to monitor and to navigate key worksheet cells.

Identify how to use Custom Views to manage the hidden or visible status of columns, rows, worksheets, print settings, and more.

Implement the INDIRECT worksheet function to create simpler summary spreadsheets.

Who Should Attend:

Practitioners seeking to improve the integrity of their large Excel spreadsheets and work with them more efficiently. Presenter:

David H. Ringstrom, CPA, is an author and nationally recognized instructor who teaches scores of webinars each year. His Excel courses are based on over 25 years of consulting and teaching experience. David’s mantra is “Either you work Excel, or it works you,” so he focuses on what he sees users don’t, but should, know

about Microsoft Excel. His goal is to empower you to use Excel more effectively. To learn more about David, you can view his

LinkedIn profile and follow him on Facebook or Twitter (@excelwriter).


Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










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


Method of Payment:



Mastercard Visa

Card Number: _________________________________


Signature: ____________________________________


Living Trust Documents A web-based seminar



Program Content:

Financial institutions are required to complete transactions for customers who have created revocable and irrevocable trusts. To protect your financial institution's interests when using these documents, it is imperative to understand the basic do's and don'ts. This presentation will provide financial institution personnel with best practices to use when dealing with these complex legal

documents.

Covered Topics:

What are the differences between revocable and irrevocable trusts?

What does it mean when a trust is called a "living trust" versus a "testamentary trust?"

How does the financial institution establish the relationship, including changing titles and performing transactions (loans or deposits)?

How many co-trustees does it take to bind the trust?

When can a successor trustee do business for the trust?

Can a power of attorney be used with a trust document?

Can a trust own a safe deposit box?

Can a trust co-own an account with another trust (or person)?

Who Should Attend:

Financial institution employees involved with opening new accounts, deposit or loan documentation and operations. "A semester of law school summed up in 2 hours - my kind of webinar." -Lucas Miller, Bay State Savings 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.


Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Critical Issues on Certificates of Deposit (CDs)


9:00 am – 11:00 am MT


Program Content:

Still put a piece of paper into a sleeve and give it to the customer and call it a CD? It might be old fashioned but many institutions still handle nonnegotiable CDs much like they handled the negotiable instrument of days gone by. As we transition from the traditional Certificates that are negotiable to the signature card contract certificates of deposit, what rules apply and what do not anymore?

Let's look at the procedures which might not make sense anymore such as Loss of CD Affidavits. It might mean that you need signatures of all parties and not just the one opening the account. Old school might not work in today's legal and regulatory environment. Let's look at our CD rules, procedures and ownership issues that may need to be revamped.

Covered Topics:

What is a CD in 2017? Do we need to issue statements on CDs?

What disclosures should we give when we open a CD? What maturity notices?

Can the financial institution offset a CD?

Can the names on a CD be changed?

What happens on a CD secured loan with a pay on death?

What notifications do we have to send for a "change in terms" under TISA?

Can we waive CD penalties? Can a penalty be waived for certain circumstances?

What happens when the accountholder loses a CD? Do we still do loss of CD affidavit?

What is meant by paperless CDs?

Do we have to have all the owners sign a CD? Is that true for insurance purposes?

How do we issue the check when we cash a CD?

Who Should Attend:

This informative session is for customer service representatives, new accounts, member service representatives, branch manager, branch administration, officers and anyone who handles or manages deposit accounts. 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.


Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Fraud Detection and Investigation A web-based seminar

Wednesday, November 29, 2017 9:00 am – 11:00 am MT


Program Content:

We live in an ever-changing technological world with software and applications for everything imaginable. So why isn’t there an app for preventing financial institution fraud? Not all fraud is preventable or discoverable by electronic means. Sometimes it takes good old fashioned investigative work. Join us for a look at some of the “old school” fraud problems that still exist today and

how we can do a better job at identifying them. We’ll discuss the importance of your internal culture and its impact on fraud, both internal and external. After we’ve detected a problem, now what do we do? Learn the importance of a proper investigation, how to conduct one and how to accomplish an interview.

Covered Topics:

Understand how generational differences play a significant part in fraud.

Name the most important asset in internal fraud detection.

What is the correlation between our institutional culture and fraud.

Identify the 3 most important elements in any internal fraud investigation.

Understand the importance of proper case management and court room preparation.

Why you should preplan your interview and have multiple exit strategies.

Who Should Attend:

Branch management, Operations staff, Security officer, Risk management, Fraud managers, Fraud investigators, Human Resources Presenter: Randy Phillips began his career in financial institution security while still employed as a police investigator in upstate New York. His career in law enforcement provided his first exposure to the world of corporate security and financial crimes and would shape his career path from then on.

For several years he juggled two careers, pursuing robbers as a police officer and then teaching financial institution employees about dealing with those very people. His early days in the financial services industry began as an advisor and instructor on bank security topics. He quickly transitioned to the position of board-appointed bank security officer. During the next twenty years he would further this career and gain valuable experience in administering all areas of security for financial institutions while serving as: director of security and facilities, regional security officer, and corporate security director. His analytical thinking and thoroughness have been tremendously beneficial in writing policy and procedure, developing business continuity plans, and creating training programs. His dual careers have also provided much insight and experience into the world of fraud, embezzlement, and ethics investigations. He has honed his skills in risk assessment and mitigation, designed and implemented a fraud awareness and incentive program for tellers, and been recognized for his robbery awareness and prevention programs. Most recently, he has been involved in the pursuit of ATM skimmers and the efforts to stay one step ahead of them. He routinely collaborates with many local, state and government entities including the Department of Homeland Security, U.S. Secret Service Electronic Crimes Task

Force, and the Federal Bureau of Investigation.


Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Commercial Construction Lending A web-based seminar

Wednesday, November 29, 2017 12:30 pm – 2:30 pm MT


Program Content: Construction loans for commercial real estate (CRE) remain a major part of commercial bank lending. Many community banks attempt to use versions of their residential formats and policies to administer commercial construction loans; however, this generally does not adequately control the situation due to several important differences between residential and commercial projects. This program provides an overview of the key steps involved in effectively administering commercial construction loans. Covered Topics:

What is construction risk and how is it mitigated?

Differences between residential and commercial construction loans

What is High Volatility CRE (HVCRE)?

Issues with contractor qualifications, construction contracts and budgets

Five items that determine how you handle a specific loan

o The type of project (full construction vs. renovation, etc.)

o The loan approval and related conditions or contingencies

o The term sheet or commitment letter written to the customer

o Your bank’s policies and procedures o The construction loan agreement

Other key documentation o Title insurance o Survey o Bonding

Funding and draw controls o Inspections o Lien waivers and lien updates o Disbursement methods o Monitoring usage of budget contingency o Line item transfers

Completion of the project and (if applicable) stabilization

Who Should Attend: Commercial lenders, credit analysts and support staff that deal directly with commercial construction loans; mortgage bankers, private bankers, small business lenders, loan review specialists, special assets officers, lending managers and credit officers indirectly involved in the construction lending process 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: _________________________________



2017 TRID Final Rule Update A web-based seminar



Program Content:

Are you looking for a compliance solution that addresses changes within the 2017 TRID final rule? Look no further! Join Jerod Moyer of Banker’s Compliance Consulting for a two-hour 2017 TRID Final Rule Update webinar. The following are just a few of the areas where there will be changes. Partner with us as we guide you through each of the areas of change in plain English so

you can do what you do best, serving your customers!

Covered Topics:

Effective Date vs. Mandatory Compliance Date

Good Faith

Revised Disclosures

Construction Loan Provisions (there are many!)

Escrow Closing & Partial Payment Notices

TRID and Trusts

Simultaneous Subordinate Lien Loans

Total Payment Tolerances

Calculating Cash to Close

Provider List Changes

And Much, Much, More!

Who Should Attend:

This webinar is designed for consumer real estate loan officers, loan processors, and compliance and audit personnel. Note: For this webinar, all questions submitted before or during the webinar will be answered during the live webinar, even if the time required exceeds two hours. If you register for any of our options (Live, OnDemand, CD) and would like to pre-submit questions

before the live webinar date, please email those to [email protected]. When planning for the webinar, please allow extra time at the end if you wish to hear the Q&A. We regret that questions cannot be answered after the live webinar. Presenter:

A Certified Regulatory Compliance Manager (CRCM), Jerod Moyer's experience includes over 15 years in the regulatory

compliance field. He has held compliance positions with an $800 million community bank and an $840 million five-bank holding company. Jerod's passion for and experience in the compliance profession allow him to take complex regulatory requirements and provide realistic solutions. Jerod is the leader of Banker's Compliance Consulting's seminar and training productions. An accomplished teacher, he conducts compliance seminars for Banker's Compliance Consulting. Jerod has also been a speaker for the American Bankers Association, many state banking associations and schools, and various webinars. 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: _________________________________



Robbery Awareness A web-based seminar

Thursday, November 30, 2017 12:30 pm – 2:30 pm MT


Program Content:

Why do people rob financial institutions? To paraphrase notorious robber Willie Sutton, "because that's where the money is." Statistics for robbery of financial institutions show that this dangerous-and sometimes deadly-crime still exists. Combine the threat of violence and the use of force with the nervousness of

perpetrators and the foolish acts of heroism by victims, and it's no wonder that law enforcement considers robbery to be one of society's most dangerous crimes. In fact, a robbery victim's own actions may exacerbate the situation, resulting in brutal attacks, serious injuries, and even death. This program will cover all the necessary steps your staff needs to sustain a safe workplace in your financial institution.

Protect your people, prevent vulnerability, and reassure your customers that their money is safe. This program meets the requirement of Regulation H as it pertains to periodic robbery training.

Covered Topics:

Establish a robbery prevention checklist

Discuss risk management issues

Receive a robbery summary with actual examples

Learn how to prepare for a robbery

Discuss law enforcement response issues

Review witness identification exercises

Who Should Attend:

Security Officers, Auditors, Front Line Staff, Branch Management Presenter:

Barry Thompson, the "Fraud Educator", is the author of 101 Security Tips for The Beginning Security Officer. Barry became a Certified Regulatory Compliance Manager in 1997, after which he served as a security specialist for the former America's Community Bankers* and as the managing partner for Thompson Consulting

Group, LLC. Barry is an instructor for at many industry conferences and schools, and a contributing writer to Bankers' Hotline. Newsweek, Computer World, and other national publications have interviewed him for his expertise. Barry is an in-demand, internationally-recognized speaker having made fraud, theft, and security presentations to groups across the country, in Europe, and at the United Nations. Barry has more than three decades of experience in the financial services industry, including having senior management positions at an upstate New York regional bank, and he has handled more than 900 security cases. Today, his firm focuses primarily on training at national and state conferences and in- house to banks and credit unions, from physical security to computer security. This includes in-depth instruction on identity theft, internal fraud, scams and schemes, conducting investigations, social media and bank robbery. To date, he has trained more than 26,000 financial professionals - and counting. 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 November 1

Self-paced, 10 weeks to complete.

Core Certification Price: $1,295.00

Register

Certified Banking

Mobile

Administrator™ Course begins November 6


Core Certification Price: $999.00

Register

Certified Banking

Business Continuity

Professional™ Course begins November 13


Core Certification Price: $999.00

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

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 handson training with policy development,

mobile device management, mobile application threat assessment and EMM

vendor solutions.

WHAT YOU WILL LEARN:

Laws and Regulations

Complete a Business Impact Analysis

Complete a Risk Assesment

Business Continuity Plan Management and Testing

Pandemic Preparedness

Incident Response

Backup Planning

https://certification.sbscyber.com/store/130573-cbstp-certified-banking-security-technology-professional

https://certification.sbscyber.com/store/130611-cbma-certified-banking-mobile-administrator

https://certification.sbscyber.com/store/130619-cbbcp-certified-banking-business-continuity-professional

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 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

