Wyoming Bankers Association January 2017 · Scrubbing and Submitting 2016 HMDA Data – January 9, 2017* IRA Update & Review – January 10, 2017* Best-Ever Compliance Checklists

Wyoming Bankers Association January 2017

Upcoming Live Conferences/Seminars/Workshops/Convention

2017 Legislative Dinner – January 17, 2017 – Little America Hotel, Cheyenne, WY* 2017 Legal Issues of New Accounts Documentation – May 9, 2017 – Ramkota Hotel, Casper, WY

2017 Ag Conference – May 17-18, 2017 – Riverton, WY (Location TBA)

2017 Quad States Convention (ND/SD/MT/WY) – June 4-6, 2017 – Rushmore Plaza Civic Center, Rapid City,

SD 2017 Credit Conference – September 28-29, 2017 – Laramie, WY (Location TBA)

2017 IRA Seminar – October 11-12, 2017 – Hilton Garden Inn, Casper, WY

Total Training Solutions Webinars

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

Compliance Perspectives: A Monthly Update – Monthly

Directors Education Series - Monthly Series Available

Negotiation Skill Building to Improve the Bank’s Business Development Efforts – January 4, 2017*

Getting Ready for CECL – January 5, 2017*

Lending to Local Government Units – January 5, 2017*

Plan to Fail Well – Incident Response – January 6, 2017*

Basic Business Entities & Other Commercial Borrowers – January 9, 2017*

Scrubbing and Submitting 2016 HMDA Data – January 9, 2017*

IRA Update & Review – January 10, 2017*

Best-Ever Compliance Checklists for Consumer Loans – January 10, 2017*

Opening Accounts for Nonresident Aliens – January 11, 2017*

CRA Nuts & Bolts – Five Steps to Pass the Exam – January 11, 2017*

Dealing with Subpoenas, Summonses, Garnishments, Tax Levies, Etc. – January 12, 2017*

Handling Loan Applications – What Can Go Wrong? – January 12, 2017*

The New HMDA Rule: Implementation Challenges – January 17, 2017*

20 Legal Ownerships, Titles, Sample Signature Cards and Legal Documentation – January 18, 2017*

Online Deposit Account Opening – January 18, 2017*

Will Your Front Line Cost You Millions? – January 19, 2017*

Implementing the New Beneficial Ownership Rules – January 19, 2017*

The Beginning Security Officer – January 20, 2017*

Right to Setoff – January 24, 2017*

BSA / AML and OFAC – Continuing Developments – January 24, 2017*

Your Renter Dies: Who Can Access the Safe Deposit Box Now? – January 25, 2017*

Creating the Right Enterprise Risk Management (ERM) Program for YOUR Community Bank – January 25, 2017*

Loan Underwriting Mistakes – January 26, 2017*

Advertising Compliance – January 26, 2017*

ACH Rules Update – January 27, 2017*

Flood Insurance Review and Update – January 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

Graduate School of Banking at the University of Wisconsin-Madison Schools* South Dakota Bankers Association 2017 National School for Beginning Ag Lenders – June 19-22, 2017*

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

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

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

WYOMING BANKERS ASSOCIATION

2017 Legislative Dinner Little America Hotel

January 17, 2017 Reception 6:00 p.m./Dinner 6:30 p.m.

DATE __________________________ PERSON COMPLETING FORM _________________________________ NAME__________________________________TITLE_________________________ BANK__________________________________TELEPHONE___________________________ MAILING ADDRESS______________________________CITY_________________ZIP___________ *Write in additional attendees below NAME OF PERSON ATTENDING CITY ______________________________ _____________________________ ______________________________ _____________________________ ______________________________ _____________________________ ______________________________ _____________________________ ______________________________ _____________________________ ______________________________ _____________________________ ______________________________ _____________________________ ______________________________ _____________________________ ______________________________ _____________________________

Negotiation Skill Building to Improve the Bank's

Business Development Efforts Wednesday, January 4, 2017

12:30 PM–2:30 PM Mountain Time


Program Content: Today's competitive environment requires the commercial lender to be able to negotiate in various, sometimes abstract situations - all at once! Attend this "interactive" webinar and learn to ask for the business and actually close the deal!

This webinar will emphasize negotiation skill building, effective communications, telephone techniques, and the negotiation process in order to improve the bank's overall "business development" efforts.

The related concepts of technical skill set and management styles will also be displayed. Additionally, the session will cover the importance of the "human" side of negotiations including "empathy", "ego", and "needs."

Throughout the session, business development "case studies" including "role-playing" exercises will be presented in order to reinforce the concepts.

Covered Topics:

Negotiation Skill Building

Effective Communications

Telephone Techniques

The Negotiation Process

Improving the Bank's Business Development Efforts

Technical Skill Set and Management Styles

The "Human" Side of Negotiations

Business Development "Case Studies"

Who Should Attend: Commercial lenders, relationship managers, 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).

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 select to receive an OnDemand website link to see the information online of the seminar 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: _______________________________________

Address: ____________________________________

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 materials only $345

Live plus OnDemand website link $365

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

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: ________________________________

Signature: ____________________________________

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

Getting Ready for CECL Thursday, January 5, 2017

9:00 AM–11:00 AM Mountain Time


Program Content: FASB’s (Financial Accounting Standards Board) credit impairment standard for financial instruments is here - so now what do we do? This webinar will help management of financial institutions start to figure out what their institution should be doing now to be ready for CECL when it becomes effective. Covered Topics:

The entire credit impairment standard

The specific requirements of the Current Expected Credit Loss (CECL) model

Different models that could be used to estimate lifetime losses

Practical steps that can be taken now to get ready for CECL implementation

Who Should Attend: CFOs, Controllers, CEOs, Senior Lending Officers, and others that will be involved in the implementation of CECL Presenter: Brett Schwantes is a senior manager at Wipfli LLP and focuses on the financial services industry. With over 20 years of experience working closely with financial institutions, Brett is also the leader of the Technical Issues Committee for the firm’s Financial Institutions Practice and has received specialized training on a range of accounting matters impacting the financial institution industry, which he uses to help advise clients and others on the various accounting issues they face. He has shared his knowledge and understanding of current accounting issues and trends at national and state professional conferences, including the FMS Finance & Accounting Forum, the National Directors and CEOs Leadership Convention, the WICPA and ICPAS Financial Institutions Conferences, the Banking CPAs Summer Conference, and Wipfli’s annual Community Banking Forums. In addition, Brett has authored several articles that address new and technical accounting topics affecting the financial institution industry. He is a member of the American Institute of Certified Public Accountants (AICPA) and the Wisconsin Institute of Certified Public Accountants (WICPA), president of the Banking CPAs Executive Committee, and a member and past chair of the WICPA's Financial Institutions Conference Planning Task Force. 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 select to receive an OnDemand website link to see the information online of the seminar 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: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________

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

will be delivered to you.








materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Lending To Local Government Units

Thursday, January 5, 2017 12:30 PM–2:30 PM Mountain Time


Program Content:

Most banks don't specialize in lending to municipalities and other governmental units. When the opportunity presents itself, those banks struggle to perform proper credit analysis to determine creditworthiness. Learn the major credit factors to examine to predict the repayment capability of a municipality or other governmental unit.

Some credit opportunities in this area can lead to lucrative fee-based business, such as cash management and investment management. Also, financial institutions with a relationship with local municipalities can create significant goodwill in the community, which can translate into more business.

Learn the major differences between credit analysis on local governments and commercial real estate / commercial & industrial type borrowers. Learn appropriate information to request and how to use financial data and other information to effectively underwrite this type of borrower. Also, learn how to identify opportunities to market the proper type of credit facilities to local governments. Covered Topics:

Different types of local government structures in the U.S. in order to determine potential credit-worthy government

structures

How to complete a review and financial analysis of a municipality's financial statement

Common credit requirements of municipalities

The best credit structure based upon credit needs of municipalities

Locating and using publicly available information to assist in analysis of municipal borrowers

Who Should Attend: Lending and credit personnel such as Senior Loan Officers, Senior Credit Officers, Commercial Loan Officers, Branch Managers, Credit Analysts, Loan Review Officers, Internal Auditors, and Consumer Lenders.

"The presentation was illuminating. It stimulated thoughts about how to respond to municipality inquiries, and offered a few tools for

the tool bag." -David W., Northrim Bank

"Very 'to the point!!" -Kenda H., Bank of the Cascades 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 select to receive an OnDemand website link to see the information online of the seminar at no additional charge.


Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










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: ________________________________

Signature: ____________________________________


Plan to Fail Well – Incident Response

Friday, January 6, 2017 9:00 AM–11:00 AM Mountain Time


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

The following areas will be discussed with attendees to ensure institutions are prepared to have a successful response if prevention measures fail:

o Internal Communications o Incident Containment, Eradication, and

Recovery o External Communications o Integration of Forensics o Insider Threats

Who Should Attend: Information Security Officer, IT Manager, Network Administrators, Risk Officer, Chief Information Officer, Forensics Analysis, Security Analyst, and management team members involved in cybersecurity and incident response processes. Presenter: Chad Knutson is a Senior Information Security Consultant and serves as President of the SBS Institute for Secure Banking Solutions (SBS) 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.

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 select to receive an OnDemand website link to see the information online of the seminar 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: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Basic Business Entities & Other Commercial Borrowers

Monday, January 9, 2017 9:00 AM–11:00 AM Mountain Time


Program Content: Key issues for business entities include who, if anyone, has personal liability for the debts of the business and what is the impact of federal, state and local taxes on the business and its owners. Essential legal principles underlying creation and operation of borrower entities are also significant for lenders concerned with creating effective and enforceable loan documents.

This webinar presents a survey of requirements, characteristics, advantages, disadvantages plus creation and documentation issues for the most frequently used types of business entities.

Covered Topics:

Sole Proprietorships

General Partnerships

Limited Partnerships

Limited Liability Partnerships

C Corporations

S Corporations

Limited Liability Companies

Series LLCs

Real Estate Investment Trusts

Cooperative Associations

Professional Corporations

Professional Associations

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

Presenter: Robin Russell has practiced law for 29 years and is licensed in Texas, New York and Massachusetts. She is a fellow in the American College of Bankruptcy and of the American Law Institute. She combines a depth of experience in bankruptcy restructuring and litigation with financial transactions.

She has represented corporate debtors, independent directors, liquidating trustees, bondholders, unsecured creditors' committees, bank groups, private equity funds, landlords, trade creditors and bidders for estate assets in Chapter 11 and Chapter 7 bankruptcy proceedings. She has also represented banks, institutional lenders and corporate borrowers in commercial loan transactions and debt restructurings. Robin is the principal author of Thomson Reuters’ Texas Practice Guides for both Creditors’ Rights and Financial Transactions and the Texas Bankers Association’s Texas Secured Lending Guide, Texas Problem Loan Guide, Texas Real Estate Lending Guide and Texas Account Documentation Guide.

She is a frequent speaker on banking, bankruptcy and financial restructuring related topics and has served as a Chapter 7 Trustee. Robin received her LL.M. in Banking Law from Boston University and her J.D. from Baylor University where she was Editor-in-Chief of the Baylor Law Review and the highest ranking graduate in her class. She clerked for the Texas Supreme Court before beginning her legal career.

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 select to receive an OnDemand website link to see the information online of the seminar 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: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









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: ________________________________

Signature: ____________________________________


Scrubbing and Submitting 2016 HMDA Data Monday, January 9, 2017



Program Content:

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

effect until January 1, 2018. HMDA-reporting banks spend considerable time in January and February of each year "scrubbing" HMDA data before the March 1st submission date. This webinar is

designed to get you ready for the task. Errors can result from the failure to report a covered loan, reporting a

loan that is not reportable, miscoding data on reported loans. Regulators continue to report significant error rates for HMDA data. Penalties may be imposed for such errors. This program reviews data

collection and reporting rules, common problems that occur when collecting and reporting the HMDA data, and issues related to the public disclosure of the information.

WHY? This two-hour webinar focuses on the existing requirements of HMDA and Regulation C. The existing rules continue, largely

unchanged, through the end of the 2017 reporting cycle on March 1, 2108. This program covers the basic rules of HMDA and Regulation C. It provides the information needed to assure accurate reporting of

HMDA data. Participants receive a detailed manual that serves as a handbook

long after the program is completed. Covered Topics:

A thorough explanation of which institutions are covered by HMDA and Regulation C

A review of which loans are and are not reportable

Detailed information on how to complete the LAR

Clarification of the rules related to secondary market and broker transactions

Detail on the data submission and public availability requirements

Steps to identify and eliminate reporting errors and thereby avoid

penalties Who Should Attend:

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

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

Presenter: Jack Holzknecht is the CEO of Compliance Resource, LLC. He has been delivering the word on lending compliance for 39 years. In 34

years as a trainer over 125,000 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 a number of 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, CRCM 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 in Kentucky where she was responsible for implementing and training all compliance related topics.

Kelly holds a Bachelor of Science degree in Accounting from the University of Kentucky and 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 select to receive an OnDemand website link to see the information online of the seminar at

no additional charge. If you are unable to attend the webinar but would like to have this


Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


IRA Update & Review Tuesday, January 10, 2017



Program Content: Just when we get comfortable with the “old” rules, Congress throws us a curve, and many times it’s right before they go on their Christmas holiday break. This two-hour webinar will update you on any of the latest legislation, pending legislation and cost of living adjustments available for 2017. Covered Topics: Participants will get the answers to these and many more common questions:

What are the legislative updates for 2017?

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

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

What are the mandatory reporting requirements to be distributed to IRA accountholders in January 2017?

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

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

Who Should Attend: IRA personnel in New Accounts, CDs, Trust, Investments and Savings Departments who are involved in opening, selling, and administration of IRA accounts will benefit greatly from thorough discussion of the more complicated aspects of the IRA and from the "Annual IRA Update and Review". A working knowledge of IRAs will help participants understand the more complicated areas of this webinar. "Patrice is an awesome speaker and is very knowledgeable." - Karen W, Commercial Bank - St. Louis, MO Presenter: Patrice M. Konarik is president of Sunwest Training Corp. founded over 20 years ago and is located in the Texas Hill Country near San Antonio, Texas. With over 30 years experience in the financial industry, Patrice has focused her expertise on the retirement and new account areas and is currently providing live training and webinars on these subjects on a nationwide basis. She has a BS In Management Science from New York's Binghamton University. Many state banking associations and other organizations use her as their main source for training on these complicated topics. Patrice's upbeat personality and former banking experience easily encourages interaction and questions during the training sessions. 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

select to receive an OnDemand website link to see the information online of the seminar 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: ____________________________________________

Address: _________________________________________

City, State, ZIP: ____________________________________

Phone: ___________________________________________

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









materials



Method of Payment:



Mastercard Visa

Card Number: ______________________________________

Expiration Date:_____________________________________

Signature: _________________________________________


Best-Ever Compliance Checklists

for Consumer Loans Tuesday, January 10, 2017



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

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

RESPA

HMDA

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

Flood insurance

Appraisals and evaluations

FACTA credit score disclosures

Insurance disclosures

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

friendly reference manuals has made her a popular instructor. 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 select to receive an OnDemand website link to see the information online of the seminar 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: ____________________________________________

Address: _________________________________________

City, State, ZIP: ____________________________________

Phone: ___________________________________________

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








materials




Method of Payment:



Mastercard Visa

Card Number: ______________________________________

Expiration Date:_____________________________________

Signature: _________________________________________


Opening Accounts for Nonresident Aliens

Wednesday, January 11, 2017 9:00 AM–11:00 AM Mountain Time


Program Content: In 2010, Congress passed the Hiring Incentives to Restore Employment Act of 2010, P.L. 111-147 (the HIRE Act), which added chapter 4 of Subtitle A to the Code, consisting of sections 1471 through 1474 of the Code and commonly referred to as “FATCA” or “chapter 4.” Form W-8BEN has been divided into two versions - Form W-8BEN for use by individuals and Form W-8BEN-E for use by entities. Form W-8BEN will continue to be used to document nonresident alien individuals, while Form W-8BEN-E will be used to document foreign entities, for purposes of chapters 3 and 4, and under certain other sections of the Code to establish their status for withholding or reporting purposes. We'll examine the impact of FATCA, the new forms and 1042S reporting to the IRS. We'll also look at acceptable forms of identification and Bank Secrecy Act issues in your Customer Identification Programs and due diligence. Covered Topics:

Who is a nonresident alien

How FATCA impacted your account opening procedures

Types of Identification to open account

CIP and CDD for Nonresident aliens

How to complete new W-8BEN and W-8BENE

New ITIN rules for expiration

Rules for using previous versions of the form

TIN requirements for Forms W-8BEN

Due Diligence requirements for withholding and "Reason to know"

Requesting a new W-8BEN

W-8 Period of Validity

Substitute Forms W-8

OFAC Special Issues Who Should Attend: New Accounts Representatives, Branch Managers, Deposit Operations, Compliance, Security and Training "Extremely informative, excellent questions. Thank you!!!!" -Marisa M., NorStates Bank "It was evident that the presenter [Deborah Crawford] had a detailed knowledge of the topic, and was able to deliver the information in terms relative to our financial institution. I would absolutely recommend TTS and will look to them for future Webinar needs." - Amanda R., Capital Credit Union 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 select to receive an OnDemand website link to see the information online of the seminar 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: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


CRA Nuts & Bolts – Five Steps to Pass the Exam

Wednesday, January 11, 2017 12:30 PM–2:30 PM Mountain Time


Program Content: This webinar will focus on several simple steps to help ensure a successful CRA exam outcome.

Writing a dynamic CRA context report can show examiners not only that your financial institution understands the community credit needs, but also that you are effectively meeting the needs in the assessment areas you serve. We will review the steps required to establish your case and demonstrate why your CRA program qualifies for a "Satisfactory" or possibly "Outstanding" rating.

The definition of “community development changed in September, 2005 to include, among other things, activities that revitalize or stabilize designated disaster areas. A financial institution's activity will be considered to revitalize or stabilize a designated disaster area if it helps to attract new, or retain existing, businesses or residents, and is related to disaster recovery. Examiners will consider revitalization or stabilization activities that take place within 36 months after the date of the disaster designation.

Could your financial institution be eligible to receive special consideration for lending in a designated disaster area?

Covered Topics:

Five steps for managing a CRA exam and the importanceof developing a CRA strategy.

Tips for banks that are ISB (intermediate small banks)and will become a CRA reporter when the large bankthreshold is reached

Learn how to document lending activity in designateddisaster areas.

What's included in a performance context? Learn how todescribe your institution, quantify the ability and capacityof the bank to meet credit needs based on financial data,and any issues that should be highlighted about a holdingcompany, affiliate or subsidiary

Learn how to highlight the positive outcomes of yourlending focus and business strategy

Tips to describe your assessment area includingdemographic and economic data resources.

Best practices to deal with CRA-related complaints andpotential fair lending issues that can threaten a successfulexam.

Definitions of Community Development Loans andServices

Ideas for passing the Investment Test portion of the exam

Helpful CRA compliance resources and regulatoryguidance

Who Should Attend: Compliance Officers, CRA Officers, Business Line Managers, Commercial Loan Managers, Fair Lending Officers, Marketing Directors, and Senior Management

Presenter: Susan Costonis is a compliance consultant and trainer. She specializes in compliance management along with deposit and lending regulatory training and began her career in 1978. 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.

Cancellation Policy:


If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an


Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________

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









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

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Signature: ____________________________________


Dealing with Subpoenas, Summonses, Garnishments,

Tax Levies, Etc. Thursday, January 12, 2017



Program Content: On a daily basis, a financial institution is faced with having to comply with a multitude of legal documents that are served on it. These documents can order your financial institution to produce confidential customer information, hold depositor funds, and can even order it to seize property in its possession belonging to the customer.

If you find these documents confusing and intimidating, attend this multi-state seminar to learn the best practices of how to deal effectively with these documents and the parties who serve them upon you.

Covered Topics:

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

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

Verifying customer information when complying withsubpoenas, garnishments and levies.

Helpful resources to assist your financial institutionwhen complying with these orders.

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

An overview of procedures for answering garnishmentsof federal benefit payments.

Who Should Attend: This session is a cost-effective way to learn the ins and outs of complying with the subpoenas, summonses, levies and garnishments that are served on your financial institution.

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. Presently, she serves as an adjunct instructor at Washburn University School of Law and the University of Kansas School of Law and is a frequent seminar presenter for financial associations.

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 select to receive an OnDemand website link to see the information online of the seminar at no additional charge.

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


Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Handling Loan Applications – What Can Go Wrong?



Program Content: Do you know how the term "application" is defined in all the lending regulations? Do your lenders and front line staff understand the difference between an application and an inquiry?

Join this fast-paced webinar to understand the application process with step-by-step instructions and examples that explain the requirements of several confusing regulations in terms that are easy to understand.

BONUS – Reg Z REQUIRES that loan originators have "periodic training" to ensure "knowledge of Federal legal requirements that apply to the individual loan originator's loan origination activities." START 2017 BY COMPLETING A PORTION OF THIS TRAINING REQUIREMENT.

Covered Topics:

Learn what specific information will help you to handleapplications correctly.

What are the top five mistakes made in applicationprocessing?

What are the timing requirements regarding applications?

When does an application have to be in writing? Does ithave to be signed?

What are the signature rules for applications?

What are the rules for appraisal copies? Reg B did NOTexempt commercial purpose loans secured by a 1st lienon a 1-4 dwelling.

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

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

When can you pull a credit bureau? What documentationshould be kept?

When can a co-signer be requested?

What are some practical suggestions and best practices?

Who Should Attend: This informative session will benefit loan officers, loan assistants, loan operations staff, compliance officers, auditors, and trainers.

This interactive webinar is a cost-effective way to gain a greater understanding of the rules about accepting and processing applications. There will be no travel costs, no time lost from work, and no one will be required to leave the institution.

Presenter: Susan Costonis is a compliance consultant and trainer. She specializes in compliance management along with deposit and lending regulatory training and began her career in 1978. Susan has successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by the OCC, FDIC, and Federal Reserve.

Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate

Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and "translates" complex regulations into simple concepts by using humor and real life examples.


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


Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


The New HMDA Rule: Implementation Challenges

Tuesday, January 17, 2017 12:30 PM–2:30 PM Mountain Time


Program Content: This is the description from our webinar that was presented in March 2016. Please check back for a modified description. Topics may be updated, but registration is now open.

After a long wait, the CFPB finally issued its new HMDA rules. The new rule takes effect in phases: first HMDA’s coverage increases to include more institutions; then starting in 2018 the real fun begins: new rules around what types of loans are covered, and many more data elements (110 to be exact).

As well, the submission and disclosure processes will change, to the new CFPB online method. 2018 seems a long time into the future, but there is much to be done. Now is the time to start your game plan, both in the compliance and technology areas.

Covered Topics:

Details of the new coverage rules – who collects andsubmits information, and when

What types of loans are reportable now, and changeshappening for collecting 2018 data

The new dwelling-secured loan standard – what does thisimpact?

Changes in the commercial loan area

How to handle HELOCs

New LAR fields – moving to 53 fields, but with manyadditional data requirements

New categories of reporting, including information on theproperty, loan type, and loan features; plus identificationinformation

Changes on how GMI is reported

Changes to the submission process

Quarterly reporting for some institutions

How the public obtains HMDA information changes

Who Should Attend: Loan officers, managers, and processors, compliance and fair lending officers, auditors, counsel, and anyone else with HMDA-related responsibilities, including data collection, reporting, analysis, and disclosure.

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.



Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________

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








materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


20 Legal Account Ownerships, Titles, Sample Signature Cards

and Legal Documentation Wednesday, January 18, 2017



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 createdliability for your financial institution

Creating consistency in your organization on howaccounts are opened

Signature Card danger zones and what can gowrong

How CIF systems can create errors in ownershipand signature card conflicts

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

How to follow the authority trail established in thepaperwork

What can attorneys-in-fact do and not do onindividual accounts

How to change business accounts signers andowners

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.




Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Online Deposit Account Opening Wednesday, January 18, 2017

12:30 PM–2:30 PM Mountain Time WYOMING BANKERS ASSOCIATION

Program Content: Opening deposit accounts online is becoming a way of life instead of an exception. In building your system, you will need not only your marketing people involved from the outset, but also your compliance team.

The question is how to comply with all the new account opening procedures using the online mechanism and meet examiner expectations and scrutiny. The process should engage your customer, but not put your financial institution in the regulatory hot seat.

We'll examine the life cycle of this service from start to finish, and you'll receive checklists and thoughts about how to begin offering this service or check your existing process.

Covered Topics:

Adding this service to your BSA risk assessment

CIP, CDD and other issues in identifying the accountholder

A checklist of how to accomplish the regulatoryprocess online

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

Federal disclosures and their delivery

Funding of the account

Signatures, ownership, access and signature cardrequirements

FDIC, Patriot Act and other signage

Putting the pieces together for compliance and riskmanagement

Who Should Attend: Branch administration, CIP coordinators, Branch operations, Retail areas of your financial institution that are affected, BSA personnel, Compliance officers and Managers.



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 select to receive an OnDemand website link to

see the information online of the seminar at no additional charge.


Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Will Your Front Line Cost You Millions? Thursday, January 19, 2017

9:00 AM–11:00 AM Mountain Time WYOMING BANKERS ASSOCIATION

Program Content: Over the years financial institutions have lost millions of dollars to simple errors that tellers make that can easily be avoided. Do your tellers know the simple rules? What should you do when checks and accounts don’t match? How do you handle deceased customer's checks?

This program will explain complex legal issues with straightforward and easy to understand rules of thumb.

Covered Topics:

Checks, endorsements and accounts

Deceased customer checks

Checks payable to entities and to the financialinstitution

Who's liable for what?

Signatures on accounts

Names not matching account records

Filling out deposit slips

Fiduciary signatures

Who Should Attend: This webinar will benefit tellers, new account representatives, business bankers, personal bankers, branch managers, training and all front line personnel.





Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Implementing the New Beneficial Ownership Rules



Program Content: WHAT…

On May 11, 2016, the Financial Crimes Enforcement Network (FinCEN) issued its final rule to implement the long awaited beneficial ownership rules that will significantly impact customer due diligence requirements. Under the final rule, a covered financial institution will be required to adopt due diligence procedures that will require identification and verification of a legal entity’s beneficial owner(s) at the time of account opening.

In addition, another pillar has been added to the existing four pillars that have encompassed anti-money laundering programs since the passage of the USA PATRIOT Act. The requirement to establish risk-based procedures for conducting ongoing due diligence, including customer risk profiles, will have a major impact on your financial institution's anti-money laundering program.

WHY…

The new beneficial ownership rules will require a financial institution to implement the most significant change to its BSA/Anti-money laundering program in the past decade. This two-hour webinar provides the details necessary to begin to prepare for this significant change.

Whether you are the BSA Officer or a new account representative for your financial institution, the beneficial ownership rules will have a considerable impact on your daily requirements.

Covered Topics:

Upon completion of the program, participants will understand:

What is considered a covered financial institution under thebeneficial ownership rules

The written procedural requirements necessary under the newrule

How to define a “legal entity customer”

The two types of beneficial owners: “ownership prong” and“control prong”

Which legal entity customers are excluded or exempted fromthe identification and verification requirements

What type of accounts are exempt from the identification andverification requirements

The model form provided by FinCEN to satisfy the identification requirements

How to develop a customer risk profile as part of the risk-based due diligence requirements

What type of ongoing monitoring is necessary under the newrules

Options for gathering beneficial ownership information forowners with less than 25% ownership

Changes to existing written policies, procedures and trainingprograms; and

The record retention requirements.

Who Should Attend: Front-line/new account personnel, BSA Officers, compliance officers, auditors and others with responsibilities for monitoring

BSA related activities

Presenter:

Don L. Blaine is the Senior Training Consultant for Compliance Resource, LLC. Don has over 30 years of experience in regulatory compliance for the banking industry with banks ranging in size from community banks to money center banks. He provides training on Bank Secrecy Act/Anti-Money Laundering and deposit compliance. His prior roles have included: Chief Compliance

Officer, Senior Compliance Regulatory Examiner, Compliance

Audit Manager, and business unit compliance manager.

Don has taught at the ABA’s National Compliance School and has served as an instructor at programs offered by state banking associations. Prior to joining Compliance Resource, LLC, Don served as a consultant to numerous banks. He has attained Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) certifications.




Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


The Beginning Security Officer Friday, January 20, 2017



Program Content:

The Bank Protection Act and the implementing regulations specify the requirements for the Security Officer. We have designed this program specifically for the individual who has little or no previous training in financial institution security. If you have been the security officer for less than three years or are newly assigned to the duties in the security area this is the webinar for you. We will review the best practices for the financial institutions

security officer as well as those things the security officer should never implement. Items of particular interest:

1. Who on our staff should be trained about security issues?

2. What is a security case and how should it be documented?

3. When should you obtain help from law enforcement, regulators or other Security Officers?

4. Where does one obtain training for special security problems like internal fraud?

5. How to report to the board with a limited amount of time? This program provides the ground floor as to what areas of your financial institution you will need special relationships with to be

successful. Learn how to gain support from management and staff by developing a risk management committee that will help champion the protection of your bottom line. This webinar give you a whole new perspective with vital insights on how to achieve success as a security officer for a financial institution! Covered Topics:

Get the blueprint of how to develop your security department

Understand what is required of the Security Officer by the Bank Protection Act and the implementing regulations

Know why a "Security Group," is necessary for your success

Learn what records you should be keeping as your Bank's Security Officer

Know what you have to teach your staff to be in compliance

Who Should Attend: Security Officers 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. 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 select to receive an OnDemand website link to see the information online of the seminar 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


Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Right of Setoff Tuesday, January 24, 2017


Program Content: "Right of Setoff" is used frequently in the banking industry when trying to collect on past-due debts owed by customers. Unfortunately, many bankers don't understand the legal requirements and procedures necessary to use this process. The risks of using the process incorrectly can be costly to your financial institution. On the other hand, successfully using the right of setoff can protect your financial institution from significant financial losses.

Do you know when the right of setoff is allowed and when it isn't? Do you know if your financial institution has a statutory or contractual right of setoff? Do you understand the financial risks of using your setoff rights incorrectly? If you don't know the answers to these questions, make sure to attend this valuable webinar.

Covered Topics:

What are the legal requirements to create a "right ofsetoff?"

What is the difference between a contractual right of setoffand a statutory right of setoff?

What are the differences between setoff, garnishment, andforeclosure of security interest, and why are these termsfrequently misused?

What happens when a third party is competing with yourfinancial institution's right of setoff?

How does the automatic stay in bankruptcy affect the rightof setoff?

When is the right of setoff absolutely prohibited?

How to handle notice to the customer?

What is sample contractual language that can help yourfinancial institution exercise its setoff rights?

What are the liabilities that can be incurred when setoff isdone incorrectly?

Who Should Attend: All loan and deposit personnel, bank counsel and compliance officers.

"The speaker was very knowledgeable, current and a delight to listen to." -Pamela B., Industrial Bank

"The topic was timely for us and clearly explained the right of setoff and when it could or could not be an avenue for collection." -Dani L., ATL Federal Credit Union

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. Presently, she serves as an adjunct instructor at Washburn University School of Law and the University of

Kansas School of Law and is a frequent seminar presenter for financial associations.



Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


BSA / AML and OFAC – Continuing Developments

Tuesday, January 24, 2017 12:30 PM–2:30 PM Mountain Time


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

Updating your risk profiles, including due diligence

Where regulatory attention is being placed

Changes in funds transfers and BSA definitions

Currency Transaction Reporting hotspots

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

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

Funds transfer record keeping

OFAC rules - who to screen?

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

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

Identifying customers and maintaining proper evidence under CIP rules

FinCEN hotspots and areas for review

And more Who Should Attend: These rules impact most anyone in your institution who has direct dealings with customers, such as Customer Service Representatives and tellers. But others are impacted as well, like loan officers and others who make important customer-related decisions. Compliance officers, auditors, attorneys, and management too will benefit from this information, as well, as they often are the ones who must draft these complex programs, administer them, and audit them. Presenter: Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking,

compliance, and state bar associations, and has conducted training sessions for financial institutions across the country. 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 select to receive an OnDemand website link to see the information online of the seminar 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: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Your Renter Dies. Who Can Access the

Safe Deposit Box Now? Wednesday, January 25, 2017


Program Content:

Safe Deposit Box State and Federal Compliance Issues

Improve Your System

Questions regarding deceased renters, payable-on-death clause, living trusts, court orders, Servicemembers Civil Relief Act, USA Patriot Act, Suspicious Activity Reports, power of attorneys, Americans with

Disabilities Act, past due boxes, abandoned property and many other legal and compliance issues have caused great concern and confusion for the safe deposit industry.

At this workshop you will receive current information about all these issues and an in-depth explanation about how they impact on your financial institution and your safe deposit box renters.

David McGuinn, a former Sr. Vice President/Cashier and nationally

known expert in the area of safe deposit, will provide clear concise answers to complicated questions regarding your institution’s responsibility and potential liability. He will also identify and discuss

various compliance issues relating to each legal topic.

Covered Topics: Get answers to the following questions and establish internal procedures to comply with your own safe deposit requirements.

Who can legally access and remove contents from a deceasedrenter’s box?

Can you title a lease as a “living trust” or add a “payable of death”clause?

Does the Servicemembers Civil Relief Act (SCRA) apply to past

due boxes?

What seven suspicious safe deposit transactions always trigger a

SAR?

How does the USA Patriot Act affect all safe deposit areas

nationwide?

What BSA and SAR violations are compliance examiners finding

today?

What should we do if dangerous contents are found in a past due

box?

When are box contents sent to the Unclaimed Property

Department?

In most states who must be present when a past due box is

drilled?

How can poor box drilling procedures make a box renter veryrich?

Do you have “Right of Offset” against a past due renter’saccount?

What past due fees can be collected from a delinquent boxrenter?

Can you report a past due box renter to a credit-reportingagency?

What careful wording should be used in a FINAL past due notice?

What amount of safe deposit liability insurance should you carry?

How does the American with Disabilities Act affect safe deposit?

How should you answer a renter’s question about insurance?

Should a power of attorney be used to enter a renter’s box?

Can renters legally store money, guns or drugs in a box?

Who Should Attend: Safe deposit supervisors, vault attendants, cashiers, branch managers, compliance officers, auditors, training directors, new account personnel

and your in-house legal counsel.

Presenter: David P. McGuinn, President of Safe Deposit Specialists, is a former banker with 45 years of safe deposit experience and is often referred

to nationwide as the safe deposit GURU. In all 50 states he has trained over 250,000 safe deposit personnel since 1969, and has served the

industry as President of AIB and the American, Texas and Houston

Safe Deposit Associations.

Dave is a featured speaker for the American Bankers Association's TV network and has been interviewed by the Wall Street Journal, Banking-New York, Washington Post, Money Magazine, New York Magazine,

Associated Press, AARP, National Public Radio, FDIC, CUNA, CNN, CBS, ABC, NBC Nightly News and Court TV on current safe deposit issues.

McGuinn has created numerous training programs and his Safe Deposit Policy and Procedures Handbook, Regulatory/ Compliance manual, products, brochures and training seminars are

now the accepted standard for the financial industry.

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 select to receive an OnDemand website link to see the information online of the seminar at no additional charge.


Name: ___________________________________________

Bank: ____________________________________________

Address: _________________________________________

City, State, ZIP: ____________________________________

Phone: ___________________________________________

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








materials



Method of Payment:



Mastercard Visa

Card Number: ______________________________________

Expiration Date:_____________________________________

Signature: _________________________________________


Creating the Right Enterprise Risk Management

(ERM) Program for YOUR Community Bank

Wednesday, January 25, 2017 12:30 PM–2:30 PM Mountain Time


Program Content:

Are you creating the first ERM Program for your bank? Or do you want to ensure your current program is complete, yet simple? If you answer “yes” to either question, this webinar is for you!

Risk Management is at the heart of banking, and every bank needs processes, policies, and procedures to assess and manage the risks on its balance sheet. Learn the fundamental pieces of the ERM puzzle, how they relate to each other, and how to integrate your ERM program into your bank’s Strategic Plan.

We’ll show you one step at a time how to build a complete, yet simple program for your bank. Learn how you can make the process fun, and how your team will become closer as they work together with the common goal of protecting your bank’s assets.

Covered Topics:

ERM general background and key definitions

Identifying the specific building blocks/components of a simple, yet complete ERM Program covering the three keyareas of ERM

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

Creating an ERM Committee Charter

Choosing the right ERM Committee members

Integrating the ERM Program into your Strategic Plan

Creating the Risk Management Appetite and ToleranceStatement – Description of Process

Implementing your ERM Program

Keeping the process fun while complying with regulations andprotecting your bank—consistently in every area!

Who Should Attend:

Chief Risk Officers, Risk Managers, Chief Credit Officers, Chief Financial Officers, Compliance Officers, Internal Auditors, Board

Directors who want to learn more about ERM, Bank Presidents involved in the risk management process and their ERM program

Presenter:

Marci Malzahn is the president and founder of Malzahn Strategic, a community bank consultancy focused on strategic planning, enterprise risk management, and talent management.

Marci has 23 years of banking experience, the last ten as the EVP/CFO/COO of a community bank she helped start where she oversaw all the bank operations areas, including finance, IT, compliance, internal audit, deposit/loan operations, office management, risk management, and HR. In her last year as EVP/COO/CRO, Marci created and focused on the bank’s risk management program. She was also the corporate secretary of both the holding company and the bank.

Before starting the bank in 2005, Marci took a detour from banking for five years and worked for a $34 million revenue non-profit organization where she led IT, HR and Finance. Marci’s extensive experience in banking infrastructure and her passion to help other banks succeed led her to found Malzahn Strategic in 2014.

Marci is the recipient of a number of professional awards, is a

published author of three books, and an international bilingual public speaker, speaking frequently at banking conferences and

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




Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Loan Underwriting Mistakes Thursday, January 26, 2017



Program Content: This seminar focuses on common underwriting mistakes that can ultimately lead to problem loans and loan losses. Using charge off analysis of hundreds of charged off loans, the session gives a view of “What were we thinking?” regarding underwriting mistakes. These examples provide great learning moments designed to positively influence future behavior in underwriting activities.

We will examine typical areas of underwriting analysis where mistakes can occur. Taking a deeper look at those areas will result in exercising better judgment in achieving the perfect balance of positive cash flow, sufficient and correctly documented collateral, and adequate guarantees in the underwriting process.

Covered Topics:

Understanding the purpose of the loan request

Sufficient analysis of primary and secondary sourcesof repayment

Assessing the true value of collateral

Industry and Geographic credit risk considerations

Sufficient analysis of management limitations

Red flags for fraud

“Too much” influence from Centers of Influence

Who Should Attend: Commercial lenders, small business lenders, credit analysts, loan review specialists, lending managers and credit officers

Presenter: Linda Larger has successfully coached and trained hundreds of bankers to be their best in credit risk analysis and sales execution. With a long career in banking she has experience as both a banker and training professional having worked as a Vice President in Business Development for Commercial and Consumer Lending, Special Assets and Training.

Her training work has been featured in publications of the Association for Financial Professionals, Business Banking Board, and as a program presenter for the Graduate School of Banking at the University of Wisconsin-Madison.

She is the owner of Banker Education Solutions & Training LLC (BEST) where she works with a variety of banks and state banking associations in a consulting role on training needs identification, and training program delivery and evaluation. Her favorite audiences are Lenders, Special Assets and Credit Administration associates.



Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Advertising Compliance Thursday, January 26, 2017



Program Content: Marketing personnel aren't always experts with technical advertising requirements in various regulations. Those responsible for regulatory compliance aren't usually invited to the advertising creativity party; rather, they often become involved after the advertisement is published.

We'll focus on complying with advertising requirements in the regulations below. We'll also address how advertisements can cross the line between “luring” someone and not deceiving them (UDAAP). Included will be examples of what you can say, can't say, when to say it, etc. Real life examples of advertising errors will also be shared.

Additionally, we'll focus on recognizing key compliance production elements and controls with respect to an advertisement from creation to publication. Learn how to keep rules straight with useful checklists and other compliance tools we'll provide to make your job easier, whether you're a compliance professional, an auditor, or an ad designer in a marketing department.

Covered Topics:

FDIC signage and advertising rules

The Fair Housing Act

Deposit Insurance

Truth in Lending

Truth in Savings

Sample Rate Sheet

Non-Deposit Investments

Lobby Disclosures

Web Sites

Note: Lotteries and sweepstakes won't be covered.

Who Should Attend: Anyone who produces or reviews advertisements.

"David made compliance education fun to listen to." - Brittany H, Bucks County Bank

Presenter: David Dickinson's banking career began as a field examiner for the FDIC in 1990. He later became a Loan Officer for a 110-million dollar bank. In 1993, he established Banker's Compliance Consulting. Along with his amazingly talented Team, he has written numerous compliance articles for prestigious banking publications and has developed compliance seminars that Banker's Compliance Consulting produces.

He is an expert in compliance regulations. He is also a motivational speaker and innovative educator. His quick wit and sense of humor transforms the usually tiring topic of compliance into an enjoyable educational experience. David is on the faculty of the Center for Financial Training, the American Bankers Association National Compliance Schools and is a frequent speaker at the ABA's Regulatory Compliance Conference.

David is also a trainer for hundreds of webinars and is a Certified Regulatory Compliance Manager (CRCM). The American Bankers Association honored David with their Distinguished Service Award in 2016.

David and his wife Karen have 3 adult children (none of whom live at home!) and 3 cats (which Dave is allergic to). They live on a lake in Nebraska and when possible, Dave can be found fishing or in the water. David plays the guitar and piano and enjoys singing with Karen. Together they lead worship at their church.



Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


ACH Rules Update Friday, January 27, 2017



Program Content: ACH Rules...changing to be better and faster. Make sure you are compliant and take advantage of the opportunities within ACH. The ACH (Automated Clearing House) Rules have changes that go into effect four times per year. This year is going to be exciting with the new Same Day ACH Rules, but there are others as well. You'll want to join us to make sure that you are not only compliant with the ACH Rules, but understand the new opportunities are available with the changes. ACH is a product that is available to financial institutions of all sizes. Covered Topics:

The late 2016 ACH Rule changes

Same Day ACH: o Origination obligations o Receipt posting and availability o Credits vs. debits o Implementation issues o Business possibilities

Third-Party Sender registration requirement

The ACH Rules changes effective in 2017

ACH issues on the horizon Who Should Attend: This course is designed for compliance personnel, auditors, operations personnel, senior management and all others interested in gaining knowledge on ACH topics. Presenter: Mary Kate Cole, AAP, CAE, principal of MK Cole Consulting, has nearly two decades of bank operations experience. Kate is an experienced ACH Auditor as well as speaker on payments related topics. She was VP of the Upper Midwest ACH Association for over 15 years. At that time, she was responsible for member education, ACH Audits and problem solving as well as ACH Development projects. Kate has been active in several National ACH Association Rules Work Groups over her career. She is a popular speaker at both local and national conferences on electronic payments related topics. 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 select to receive an OnDemand website link to see the information online of the seminar at no additional charge.


Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Flood Insurance Review and Update Monday, January 30, 2017



Program Content:

WHAT? Flood Insurance rules have changed continuously over the past few years. On July 6, 2012 Congress passed the Biggert-Waters Flood Insurance Reform Act (Biggert-Waters). On March 23, 2014

Congress passed the Homeowner Flood Insurance Affordability Act (Affordability Act). The Affordability Act revises certain sections of Biggert-Waters, eliminates or delays other sections and creates new

rules.

Since 2012, FEMA and the financial institution regulatory agencies (OCC, Federal Reserve Board, FDIC, Farm Credit Administration and NCUA) have been working on regulations to implement the numerous

changes. The interagency final rules were published in June 2015.

The final rule implements certain provisions that were established under the Affordability Act such as the requirement to escrow for flood insurance premiums on residential improved real estate securing a

loan, as well as, an exemption for mandatory flood insurance for specific detached structures. In addition to the requirements established by the Affordability Act, the final rule implements provisions

of the Biggert-Waters regarding the force placement of flood insurance.

The final rule was generally effective as of October 1, 2015, but the escrow requirement for flood insurance payments were effective January 1, 2016. Requirements for private flood insurance have been

proposed but are still pending.

WHY? This two-hour webinar explains the new laws and final regulations. Participants receive a detailed manual that serves as a handbook long after the program is completed.

Covered Topics:

The requirements of the Biggert-Waters Flood Insurance Reform Act

The requirements of the Homeowner Flood Insurance Affordability Act

The requirements of the Interagency Final Rules including: o The exemption from coverage for any structure that is

part of a residential property but is detached from the primary residential structure and does not serve as a residence

o The requirement to escrow flood insurance premiums on residential improved real estate or a mobile home securing a loan that is made, increased, renewed, or

extended as of January 1, 2016 o The exemptions from the escrow requirements o The revised Flood Hazard notice

o The requirement to offer the option to escrow flood insurance premiums and fees on loans outstanding as of January 1, 2016

o The revisions to the rules for force-placing flood insurance

The proposed rules that require lenders to accept private flood

insurance

Who Should Attend: The program is designed for compliance officers, operations

personnel, mortgage loan officers, loan originators and others involved in obtaining and maintaining flood insurance on mortgage loans.

Presenter: Jack Holzknecht is the CEO of Compliance Resource, LLC. He has been delivering the word on lending compliance for 39 years. In 34 years as a trainer over 125,000 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 a number of 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, CRCM 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 in Kentucky where she was responsible for implementing and training all compliance related topics. Kelly holds a Bachelor of Science degree in Accounting from the University of Kentucky and is a Certified Regulatory Compliance Manager.


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

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

Name: ___________________________________________

Bank: ____________________________________________

Address: _________________________________________

City, State, ZIP: ____________________________________

Phone: ___________________________________________

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








materials



Method of Payment:



Mastercard Visa

Card Number: ______________________________________

Expiration Date:_____________________________________

Signature: _________________________________________


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 Manager™ Course begins January 2

Self-paced, 10 weeks to complete.

Core Certification Price: $1,295.00

Register

WHAT YOU WILL LEARN:

U.S. Information Security Laws and Regulations

Information Security Program Components

Security Awareness Programs

IT Audit

Social Engineering

Preparing for your IT Examinations

Running Effective IT and Audit Committees

Certified Banking

Vendor Manager™ Course begins January 9


Core Certification Price: $999.00

Register


Vendor Breaches, Laws, and Regulations

Information Security Program and Risk Management

Selection of Vendors

Ongoing Vendor Management

Creating a Dynamic Vendor Management Program

Contract Structuring

IT Audit and Exam Preparation

https://certification.protectmybank.com/store/130441-cbsm-certified-banking-security-manager?tab=1refv%3DWyBA

https://certification.protectmybank.com/store/130585-cbvm-certified-banking-vendor-manager?tab=1refv%3DWyBA

Certified Banking

Forensics Investigator™ Course begins January 16


Core Certification Price: $999.00

Register


Data Retention

RAM Acquisition

Forensic Tools

Internal Investigation

Windows Forensics

Email Investigation

https://certification.protectmybank.com/store/130617-cbfi-certified-banking-forensics-investigator?tab=1refv%3DWyBA

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/

For details, online application or enrollment deadlines, visit gsb.org.

Graduate School of Banking | July 30 - August 11, 2017This 25-month leadership development program provides the tools you need to be successful in your banking career. Explore a broad range of electives, learn from talented faculty and participate in hands-on learning projects that challenge you to put key concepts to work in the real world. At GSB, you’ll develop the critical thinking skills and leadership talents to manage change and motivate people by drawing on a clear understanding of all areas of financial services management. Plus, you’ll earn a Certificate of Executive Leadership from the Wisconsin School of Business in addition to a GSB diploma.

Bank Technology Management School | March 19 - 24, 2017Created especially for financial services IT professionals, this popular and respected program explores critical banking and technology issues. Through expert instruction and hands-on labs, you’ll gain an in-depth understanding of bank profitability, technology management, security and more.

Bank Technology Security School | October 15 - 20, 2017 in Dallas, TexasEspecially for IT security officers, this program will broaden your understanding of the business of banking along with an in depth, interactive and hands-on study of the latest IT security techniques and strategies.

Human Resource Management School | March 26 - 31, 2017Designed specifically for financial services HR professionals to help tie together important banking and HR issues, this respected one-week school will expand your knowledge of the business of banking, human resource management and employee performance. Plus, you will return to your organization with a network of colleagues with whom to interact and exchange ideas for years to come.

Financial Managers School | September 10 - 15, 2017This one-week school goes beyond the basics to present best practices and solutions to today’s most critical financial management decisions. Designed by experienced CFOs for financial institution finance managers, this school provides the tools you need to build a solid foundation in asset/liability management.

Bank Management Forums | Ongoing Throughout the YearFrom one-day workshops with our state association partners to customized in-bank training resources, in-depth seminars and more, GSB offers today’s senior bank manager various opportunities to remain on the leading edge! Contact gsb.org for details.

Online Seminar Series | Ongoing Throughout the YearOffering a convenient and cost-effective way to participate in educational opportunities, these programs are designed specifically for financial professionals and delivered by some of today’s top industry experts. Live and recorded programs offer maximum flexibility for your busy schedule; see our site for a complete list of topics.

GSB ATTRACTS STUDENTS FROM ALL EXPERIENCE LEVELS

Educating Professionals, Creating Leaders

For details on GSB programs or to request a catalog, call 800-755-6440 or please visit

gsb.org

2017 Educational Programs

10 %

45%

14 %

15 %

9 %

5 %

2 %

Less than $100 million .......................10%$101 to $500 million ...........................45%$501 million to $1 billion ...................14%$1 billion to $5 billion ........................15%Over $5 billion ......................................9%Regulatory ............................................5%Non-bank..............................................2%

0 10 20 30 40 50

Bank asset range for 2016 students:

Sponsored by:

Wyoming Bankers Association

2017Bank Technology

Management School

March 19-24, 2017Fluno Center for Executive Education

Graduate School of Banking at the University of Wisconsin – Madison Madison, Wisconsin

Educating Professionals, Creating Leaders

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 Profitability Analysis

• Asset/Liability Management

• Bank Regulatory & Competitive Environment

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 Your Bank’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 2017 session of the Bank Technology Management School is $3,050.

Register at gsb.org

Due to the hands-on nature of the school, this program is limited to 50 participants. This program has quickly sold out in the past, so early registration is encouraged.

Bank Technology Security SchoolOctober 14-20, 2017, Dallas, TexasVisit gsb.org for details on this popular program!

ALSO IN 2017

Sponsored by:

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. 2017 tuition is $3,050.

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

March 26 - 31, 2017Graduate School of Banking at the University of Wisconsin – Madison | Madison, WI

Scholarships available!See gsb.org for details

2017 Human Resource Management School Linking Human Resources to the Bottom Line

Sponsored by:

Wyoming Bankers Association

The 2017 National School for Beginning Ag Lenders is an intensive school designed to train in all facets of agricultural lending with emphasis on

credit analysis, credit scoring, risk rating, problem loans and group case study.

Fundamentals of Ag Lending

2017 National School for Beginning Ag Lenders

June 19-22, 2017Black Hills State University

Spearfish, South Dakota

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

OverviewFundamentals of Ag Lending: National School for Beginning Ag Lenders is an intensive school designed to train in all facets of agricultural lending with emphasis on credit analysis, credit scoring, risk rating, problem loans and group case study. The school, sponsored by the South Dakota Bankers Association, will be held on the campus of Black Hills State University in Spearfish, S.D., on June 19-22, 2017.

Attendees will receive personalized instruction and continual peer interaction fostered through a limited class size, case study and group exercises. A packet of information will be sent to each student. Included will be a pre-session assignment that needs to be completed and returned prior to the school. Be watching for it.

HousingStudents will stay in new student housing in private rooms, with two units connected on either side of one shared bathroom. Rooms are air conditioned with great views of the Black Hills. Housing is not required for local students.

TuitionThe registration fee includes tuition, housing, meals and student handouts.

l State bankers association members: $1,595 per person

l Non-members: $1,695 per person

l Deduct $75 per person if staying off-campus.

l Add $100 per person if registering after May 29, 2017.

l A fee of $100 per person will be charged if canceled after May 22, 2017.

l No refund if canceled after June 5, 2017. Substitutions are allowed at any time.

CurriculumView of the Ag Economy from 30,000 Feet: This session will examine the drivers of change that will impact your customer base. These include technology, the global market, weather, government payments, farm structure, the general economy and other factors that will set the stage for credit and marketing programs in the 21st Century. Discussion will focus on keys to securing loans and being a successful agricultural lender in today’s volatile and challenging times.

Earnings Analysis, Stop Light Analysis and Cash Flow Analysis and Projections: Attendees will learn the key financial tools and variables needed in credit analysis of agricultural loans. Students will apply financial statements analysis, ratio analysis, cash flow and financial benchmarking to real-world cases. Discussion will center around financial and non-financial information and how it can impact the success of a loan, along with how to communicate the analysis to customers, loan committees and regulators.

Loan Servicing and Risk Management: Loan servicing is always important but never more so than in an economic down cycle. This session will focus on the fundamentals of loan servicing. How do you perform adequate levels of due diligence through inspections, borrowing base reports, and covenant monitoring while at the same time building loyalty in your customer relationships? What are red flags? Avoid the pitfalls of lender liability. Engaged students will build effective and efficient loan servicing habits during this session.

Management Assessment and Customer Profiling: Now more than ever assessing the management ability of your borrowers is vital. Can they manage the size and scale of their farm or ranch? Do they have the integrity and systems to keep you informed with accurate, timely and reliable information? What is their skill level in financial management? Students will become familiar with various approaches to measuring risk with their borrowers. We will conduct a thorough review of the five C’s of credit. But are there more? This risk assessment training will focus on financial and non-financial risk indicators and considerations on how to price for risk. We will close this session with discussions from ag counselors sharing real life case studies of the problems they incur as they work with farmers and ranchers.

2017 National School for Beginning Ag Lenders

Monday June 19, 2017

Tuesday June 20, 2017

Wednesday June 21, 2017

Thursday June 22, 2017

11:00 am - 12:30 pmRegistration in the Lookout Lodge at the Peaks (campus map will be sent to all registrants in June)

1:00 - 1:15 pmOfficial Welcome and Orientationl Denny Everson, Curriculum Coordinator l SDBA School Administrator

1:15 - 2:45 pmWhat Concerns Me Most About Being an Ag LenderEverson, Craven, Franzen

7:00 - 8:00 amBreakfast



8:00 - 9:00 amView of the Ag Economy from 30,000 FeetSwanson

8:00 - 9:00 amStop Light AnalysisFranzen, Miller, Nordquist

8:00 - 9:00 amBank SimEverson, Craven

9:00 - 10:00 amLending in Today’s Challenging and Volatile Times Miller, Nordquist, Franzen

9:15 - 11:00 amCash Flow Analysis and ProjectionsFranzen, Miller, Nordquist

9:15 - 11:45 amManagement Assessment and Customer ProfilingFranzen, Miller, Nordquist

10:15 am - 12:00 pmBalance Sheet and Working Capital Analysis Franzen, Miller, Nordquist

11:00 am - 12 pmProducer PanelModerator: Everson

12:00 - 1:30 pmLunch

12:00 - 1:00 pmInformal Lunch with Producers

11:45 am - 1:00 pmLunch

1:30 - 3:00 pmBank SimEverson, Craven

1:00 - 2:00 pmBank SimEverson, Craven

1:00 - 1:45 pm10 Things Young Bankers Need to KnowEverson, Craven, Franzen, Miller, Nordquist

3:00 - 6:30 pmIntro to Bank SimEverson, Craven

3:15 - 5:00 pmEarnings AnalysisFranzen, Miller, Nordquist

2:30 - 4:45 pmLoan Servicing and Risk ManagementFranzen, Miller

2:00 - 3:30 pmBank Sim Wrap Up and Final EvaluationEverson, Craven

7:00 - 9:30 pmReception & DinnerHigh Plains Western Heritage Center

Dinner on Your Own Dinner in Deadwood (on your own)

Safe Travels Home

will help ag lenders better understand how decisions they make will impact all departments within the entire operation of their banks. The school is unique in that it is open to institutions that are not SDBA members, including non-bank financial institutions and regulators.

Who Should AttendAg lenders with zero to three years experience should attend Fundamentals of Ag Lending: National School for Beginning Ag Lenders. The objective is to train in all facets of agricultural lending with emphasis on credit analysis, credit scoring, risk rating, problem loans and group case study. Students will receive personalized instruction and continual peer interaction fostered through a limited class size, case study and group exercises.

Why You Should AttendThe purpose of Fundamentals of Ag Lending: National School for Beginning Ag Lenders is to prepare ag lenders to make better loan decisions. “In college you get a lot of book learning, and you learn the basics of communication,” said Denny Everson, co-founder of the school’s curriculum. “This school takes ag lending to a specialized level—here’s what the job is really about. As the agricultural landscape changes, it is critical that ag lenders get more specialized training so they can be a more useful resource to farmers, and this school will provide that training.”

The curriculum includes more than 25 hours of hands -on instruction with problem-solving approaches to real life situations. Active involvement in a bank simulation

Class Schedule

School Faculty

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

Robert H. Craven is an extension economist and director of the Center for Farm Financial Management, Department of Applied Economics, University of Minnesota. Areas of specialty include business management, credit analysis and grain marketing. His work for the Center has focused on development of FINPACK, a nationally-recognized ag credit analysis software. He is also on the development team for the “Winning the Game” grain marketing education programs. He has spoken at numerous conferences including the National ABA Ag Bankers Conference and the USDA Ag Outlook Forum. He has also taught more than 300 workshops on farm management and marketing.

Mike Swanson is chief agricultural economist and consultant for Wells Fargo in Minneapolis, where he has worked for 17 years. He is one of the most well-respected ag economists in the country, analyzing the impact of energy on ag, forecasting for key ag commodities, and helping develop credit and risk strategies for producers and bankers. Swanson performs macroeconomic and international analysis on ag production and agribusiness. Previously, he worked for Land O’ Lakes, a large national dairy cooperative based in Minnesota, where he supervised the sales forecasting process as well as a portion of the supply chain for dairy products. He also lived in South America for four years working for the agribusiness giant Cargill.

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

Sam Miller is managing director, group head of agriculture banking for BMO Harris Bank, where he coordinates and leads production agriculture and agribusiness related banking activities. BMO Harris is the largest agricultural bank in Wisconsin and the eighth largest in the United States. Miller has more than 30 years of agricultural banking experience, the past 26 at BMO Harris Bank. Miller is a Bruning Award recipient, an award for excellence in ag banking presented by the American Bankers Association. He is a past chair of the ABA’s Ag and Rural Affairs Committee and a school director for the Wisconsin Bankers Association’s Advanced Ag Banking School.

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

2017 National School for Beginning Ag Lenders ApplicationBlack Hills State University | Spearfish, S.D. | June 19-22, 2017

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

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

Bank Name: ___________________________________________________________________________________________________________

Bank Address: _________________________________________________________________________________________________________

City/State/Zip: _________________________________________________________________________________________________________

Phone Number: _________________________________________ Fax Number: ______________________________________________

Email Address: __________________________________________ Cell Phone: ________________________________________________

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

This school will be limited to 60 students. Register early as the school fills quickly.

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

PO Box 1081, Pierre, SD 57501Phone: (800) 726–7322 | Fax: (605) 224–7835 | www.sdba.com

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

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

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

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

___ Compliance___ Operations___ Lending___ Audit___ Loan Administration

___ Customer Service___ Public Relations___ Personnel___ Investments___ Credit Analysis

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

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

Housing No Housing (see reg. fee) Male Female

No smoking is allowed in campus facilities.

List Bank Education Training: _______________________________________________________________________________________

________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________

Registration Fees State bankers association members: $1,595 per person Non-members: $1,695 per person Deduct $75 per person if staying off-campus. Add $100 per person if registering after May 29, 2017.

All Sections of this Registration Form Must Be Completed

A fee of $100 per person will be charged if canceled after May 22, 2017. No refund if canceled after June 5, 2017. Substitutions are allowed at any time. Registration fee includes tuition, housing, meals and student handouts.

Documents

Wyoming Bankers Association January 2017 · Scrubbing and Submitting 2016 HMDA Data – January 9, 2017* IRA Update & Review – January 10, 2017* Best-Ever Compliance Checklists