Compliance Program I: Fair Lending
March 16 - Duluth or STREAM • March 17 - Macon • March 24 - Tifton • March 25 - Statesboro or STREAM
March 16 - Duluth or STREAM • March 17 - Macon • March 24 - Tifton • March 25 - Statesboro or STREAM
Sponsored by:
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Overview
A full-day seminar providing a comprehensive review of fair lending laws, rules, regulations and examination procedures. Today's fair lending practices continue to be subject to heightened scrutiny by both federal and state regulators. Non-compliance with fair lending laws can lead to enforcement actions from your regulators, HUD and/or the DOJ. Additionally, violations could have a significant impact to your strategic, financial, operations, legal, compliance and reputational risk.
Join this seminar as we explore the fair lending rules, how to detect potential issues, monitor for exceptions, and prepping for the fair lending exam. We also highlight the key components (and examiner expectations) of what your Fair Lending Program should include.
Topics
Here is what you will Learn:
A full-day seminar providing a comprehensive review of fair lending laws, rules, regulations and examination procedures. Today's fair lending practices continue to be subject to heightened scrutiny by both federal and state regulators. Non-compliance with fair lending laws can lead to enforcement actions from your regulators, HUD and/or the DOJ. Additionally, violations could have a significant impact to your strategic, financial, operations, legal, compliance and reputational risk.
Join this seminar as we explore the fair lending rules, how to detect potential issues, monitor for exceptions, and prepping for the fair lending exam. We also highlight the key components (and examiner expectations) of what your Fair Lending Program should include.
Topics
Here is what you will Learn:
- What's "Fair" about Fair Lending
- Overview/highlight of laws impacting Fair Lending, including ECOA, HMDA, Fair Housing Act, FCRA, CRA, UDAP/UDAAP, common state law prohibitions
- Types of discrimination
- Examples
- Know Your Reasonably Expected Market Area (REMA)
- Fair Lending consequences
- Assessing & Monitoring Fair Lending Risk
- Fair Lending Risk Assessment
- Monitoring for Fair Lending Risk
- Impact of Exceptions for Lending Policies
- Impact of Expanded HMDA Data
- Educating the Front Line
- Fair Lending Compliance Management Program
- Fair Lending Examinations
- Side-by-side Review
- Interagency Examinations Procedures
- Key Cases and Examiner Hot Topics
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Who Should Attend?
This webinar will be of value to Board members, senior management, lending, servicing and operations staff, in addition to compliance officers, auditors, risk managers, and trainers. Program Level: Intermediate Prerequisite/Advanced Preparation: Basic Knowledge of Lending Compliance Delivery Method: Group - Live Field of Study: Specialized Knowledge |
Compliance Program II:Protect Your Customer - Protect Your Institution - Red Flags: Policy, Monitoring and Compliance
May 4 - Duluth or STREAM • May 5 - Macon • May 11 - Tifton • May 12 - Statesboro or STREAM
Fraudsters are hard at work taking advantage of opportunities to defraud individuals, businesses – and financial institutions. Unfortunately, financial institutions can be at the center of these concerns. Not only must institutions comply with laws when providing information to others, it must also be able to protect, as much as it can, customers’ personal information from others – and protect itself from the constant creative ways fraudsters attack.
Every day companies are hacked, customers are duped, and employees are careless – or just don’t know what to look for. What are the red flags that you should be looking for? Financial institutions have an affirmative duty to protect their customers’ information against unauthorized access or use. As a business, the institution also has a duty to protect itself. Pandemic or not, COVID has raised our awareness that red flags are ever changing.
The Protect Your Customer – Protect Your Institution seminar will tackle safeguarding customers and customer information from potential fraud as well as red flags to protect your institution from being a victim or unwitting participant. This program is designed to equip financial institutions with the information they need to be able to protect its customers as well as itself.
We will address the latest advisories on fraud and red flags that compliance officers and frontline staff need to know to mitigate customer and institutional risk.
This seminar will cover:
May 4 - Duluth or STREAM • May 5 - Macon • May 11 - Tifton • May 12 - Statesboro or STREAM
Fraudsters are hard at work taking advantage of opportunities to defraud individuals, businesses – and financial institutions. Unfortunately, financial institutions can be at the center of these concerns. Not only must institutions comply with laws when providing information to others, it must also be able to protect, as much as it can, customers’ personal information from others – and protect itself from the constant creative ways fraudsters attack.
Every day companies are hacked, customers are duped, and employees are careless – or just don’t know what to look for. What are the red flags that you should be looking for? Financial institutions have an affirmative duty to protect their customers’ information against unauthorized access or use. As a business, the institution also has a duty to protect itself. Pandemic or not, COVID has raised our awareness that red flags are ever changing.
The Protect Your Customer – Protect Your Institution seminar will tackle safeguarding customers and customer information from potential fraud as well as red flags to protect your institution from being a victim or unwitting participant. This program is designed to equip financial institutions with the information they need to be able to protect its customers as well as itself.
We will address the latest advisories on fraud and red flags that compliance officers and frontline staff need to know to mitigate customer and institutional risk.
This seminar will cover:
- Safeguarding Customers and Customer information from Others
- Regulation E
- Section 501(b) of GLB
- Interagency Guidelines Establishing Standards for Safeguarding Customer Information
- Interagency Guidance on Response Programs for Unauthorized Access to Customer Information and Customer Notice
- Interagency Guidelines Establishing Information Security Standards
- Importance of Identifying Potential Threats - Scams, schemes and other threats
- Natural disasters
- Intentional threats (e.g., hacking, viruses)
- Unintentional threats (e.g., human errors)
- Red Flags
- “Gaming the system”
- Identity theft
- Financial exploitation of the elderly
- Loan fraud
- Human trafficking and Human smuggling
- BSA SAR Reporting
- Requirements
- Titling
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Who should attend?
As the financial industry continues to search for solutions to mitigate the risk of fraud, fraudsters will continue their efforts to take advantage of customer and institutional vulnerabilities. This full day seminar will provide the operations, compliance, product, and audit staffs with the latest information on these attempts and discuss ways to help minimize the impact from such attacks. Presenter Leah M Hamilton, Vice President and Sr. Consultant, ProBank Austin |
Compliance Program III:ACH & Regulation E Compliance
August 31 - Duluth or STREAM • September 1 - Macon • September 7 - Tifton • September 8 - Statesboro or STREAM
This full-day seminar brings you information you need to keep on top of the latest changes in the field of ACH processing. Presented in an easy-to-understand, one-day format, this seminar reviews the basis and structure of all ACH processing - the NACHA Rules. This seminar includes discussion on both receiving and origination. Recent and upcoming changes to the Rules including Expanded Same Day ACH – Additional Same Day Processing Window, Reversals and Enforcement, Meaningful Modifications, Limitations on Warranty Claims, Differentiating Unauthorized Return Reasons, Supplementing Data Security Requirements, ACH Contact Registry, and Supplementing Fraud Detection Standards for WEB Debits, are discussed in detail. Recent proposed Rules changes including Account Information Improvements are reviewed. The annual expansion of and enhancements to the ACH “self-audit” are thoroughly discussed, and the federal ACH examination is highlighted.
Treasury’s Green Book - A Guide to Federal Government ACH Payments and Collections is discussed with a focus on the reclamation process, and Treasury’s triennial updates to 31 CFR 210 are reviewed. An update is also provided on Treasury’s ongoing efforts to expand direct deposit and the utilization of “Go Direct®”.
Compliance issues including OFAC impacts to ACH processing, suspicious activity reporting (SAR), the federal focus on ACH as part of the annual Bank Secrecy Act (BSA) examination efforts, and the standardization of the garnishment of exempt federal benefits payment processing, are all highlighted. Major areas of ACH risks are addressed, including methods and procedures to minimize risk exposure. This seminar provides attendees with the opportunity to network with other professionals interested in ACH processing and compliance.
TOPICS
New and Recent NACHA Rules
The Latest on Federal Government Payments & Processing
2021 Audit and Examination Guidelines
Processing Risks
August 31 - Duluth or STREAM • September 1 - Macon • September 7 - Tifton • September 8 - Statesboro or STREAM
This full-day seminar brings you information you need to keep on top of the latest changes in the field of ACH processing. Presented in an easy-to-understand, one-day format, this seminar reviews the basis and structure of all ACH processing - the NACHA Rules. This seminar includes discussion on both receiving and origination. Recent and upcoming changes to the Rules including Expanded Same Day ACH – Additional Same Day Processing Window, Reversals and Enforcement, Meaningful Modifications, Limitations on Warranty Claims, Differentiating Unauthorized Return Reasons, Supplementing Data Security Requirements, ACH Contact Registry, and Supplementing Fraud Detection Standards for WEB Debits, are discussed in detail. Recent proposed Rules changes including Account Information Improvements are reviewed. The annual expansion of and enhancements to the ACH “self-audit” are thoroughly discussed, and the federal ACH examination is highlighted.
Treasury’s Green Book - A Guide to Federal Government ACH Payments and Collections is discussed with a focus on the reclamation process, and Treasury’s triennial updates to 31 CFR 210 are reviewed. An update is also provided on Treasury’s ongoing efforts to expand direct deposit and the utilization of “Go Direct®”.
Compliance issues including OFAC impacts to ACH processing, suspicious activity reporting (SAR), the federal focus on ACH as part of the annual Bank Secrecy Act (BSA) examination efforts, and the standardization of the garnishment of exempt federal benefits payment processing, are all highlighted. Major areas of ACH risks are addressed, including methods and procedures to minimize risk exposure. This seminar provides attendees with the opportunity to network with other professionals interested in ACH processing and compliance.
TOPICS
New and Recent NACHA Rules
- Reversals and Enforcement
- Meaningful Modifications
- Limitation on Warranty Claims
- Expanded Same Day ACH: Additional Processing Window
- Differentiating Unauthorized Return Reasons
- Supplementing Data Security Requirements
- Supplementing Fraud Detection Standards for WEB Debits
- ACH Contact Registry
- ACH Message Entries (proposed)
The Latest on Federal Government Payments & Processing
- The Green Book – On-Line PDFs
- 31 CFR Part 210 – 2020 Update
- Reclamation Process / IRS Tax Refund Processing FAQs
- Direct Deposit and “Go Direct®” updates
2021 Audit and Examination Guidelines
- Annual Self-Audit Procedures – 2021 Focus Points
- Federal Audit Guidelines on ACH
Processing Risks
- Fraud
- Operational
- Credit
- Systemic
- Synthetic Identity Fraud
- Compliance
- Reputational
- Strategic
- Terminated Originator Database (TOD)
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Regulatory Impacts:
Who Should Attend Individuals with operational, product management, compliance, risk management and audit responsibilities will benefit from this program. As a result of this program, attendees will have the basic framework needed to better understand ACH processing and compliance. Education Level: Intermediate |
Compliance Program IV: Compliance Management System
11/30 - Duluth or STREAM • 12/1 - Macon • 12/7 - Tifton • 12/8 - Statesboro or STREAM
Already have a CMS in place or just beginning to formalize your program, this seminar will cover the core compliance management system and more! We will guide you to take your program to the next level. For all, this seminar will show how to efficiently maintain your CMS.
Although there are no regulatory requirements to have and maintain a robust CMS, the regulators expect all financial institutions to have one in place as provided in your federal regulator’s examination manual. They have provided some guiding principles, but what does it really include? There are some regulatory requirements for written policies and procedures, many of which small creditors are exempt but should have nonetheless.
This seminar will break down the CMS for you, including what is a policy vs. procedure, monitoring vs. audit, what training is required vs. recommended, complaint management, risk assessments, and who should be responsible for which (compliance, audit, and yes - operations). The volume of regulatory changes requires a strong change management process in your CMS – and we will review best practices for that, too!
Compliance is every employee’s responsibility every day. No one person can (or should) be responsible for the institution’s Compliance Management System. The lines between compliance, audit, and operations seem to blur with each new rule. Join us as we begin to clarify the lines to make your CMS more manageable.
11/30 - Duluth or STREAM • 12/1 - Macon • 12/7 - Tifton • 12/8 - Statesboro or STREAM
Already have a CMS in place or just beginning to formalize your program, this seminar will cover the core compliance management system and more! We will guide you to take your program to the next level. For all, this seminar will show how to efficiently maintain your CMS.
Although there are no regulatory requirements to have and maintain a robust CMS, the regulators expect all financial institutions to have one in place as provided in your federal regulator’s examination manual. They have provided some guiding principles, but what does it really include? There are some regulatory requirements for written policies and procedures, many of which small creditors are exempt but should have nonetheless.
This seminar will break down the CMS for you, including what is a policy vs. procedure, monitoring vs. audit, what training is required vs. recommended, complaint management, risk assessments, and who should be responsible for which (compliance, audit, and yes - operations). The volume of regulatory changes requires a strong change management process in your CMS – and we will review best practices for that, too!
Compliance is every employee’s responsibility every day. No one person can (or should) be responsible for the institution’s Compliance Management System. The lines between compliance, audit, and operations seem to blur with each new rule. Join us as we begin to clarify the lines to make your CMS more manageable.
