Wyoming Bankers Association November 2016 · 2018-04-03 · Wyoming Bankers Association . Countdown to Revised HMDA Rules. November 4, 2016 9:30 - 11:30 a.m. Mountain Time . The final

Wyoming Bankers Association November 2016

Upcoming Live Conferences/Seminars/Workshops/Convention

2017 Legal Issues of New Accounts Documentation – May 9, 2017 – Ramkota Hotel, Casper, WY

2017 Ag Conference – May 17-18, 2017 – Manhattan Eatery, Riverton, WY

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

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

2017 Credit Conference – September or October ~~ Watch for Announcement of New Dates

OmNovia Webinars

On Demand Webinars can be found on our website: http://www.wyomingbankers.com/education.aspx

Basic Bankruptcy for Bankers – November 2, 2016*

Countdown to Revised HMDA Rules – November 4, 2016*

Benchmarking & Improving Bank Efficiency – November 4, 2016*

Surviving a Critical Incident: Your Human Capital is Worth Protecting – November 7, 2016*

2016 Revised Servicing Rules – November 8, 2016*

Problem Prevention on the Teller Line: Fraud, Check & Cash Handling, Robbery & More – November 9, 2016*

Catching the Evil Insider – November 10, 2016*

Introduction to Commercial Lending – November 14, 2016*

Loan Participations for Community Banks: Risk & Rewards – November 15, 2016*

How a Defined Pricing Strategy Can Make a Difference in Your Bank’s Success – November 16, 2016*

Stopping the Hacker: Hacking Techniques & Preventive Countermeasures – November 17, 2016*

Opening Accounts for High Risk Customers: Updated for CDD – November 18, 2016*

Successful Sales Strategies for Lenders – November 22, 2016*

Assessing Diversity Policies & Practices: Final Interagency Statement – November 29, 2016*

SSN, EIN & ITINS & IRS Deposit Reporting – November 30, 2016*

Total Training Solutions Webinars

On Demand Webinars can be found on our website: http://www.wyomingbankers.com/education.aspx

Compliance Perspectives: A Monthly Update – Monthly

Directors Education Series - Monthly Series Available

It’s Time for a TRID Check Up – November 2, 2016*

W-9, W-8BEN, and W-8BEN-E – November 2, 2016*

Scripting the New Account Interview for Compliance – November 3, 2016*

Robbery Procedures, Counterfeit and Fraudulent Items – November 3, 2016*

BSA Emerging Issues – November 4, 2016*

What to Do When a Customer Dies – November 9, 2016*

Understanding and Managing the CFPB Compliant Process – November 9, 2016*

Writing an Effective Credit Memorandum – November 10, 2016*

Top 50 Most Important SD Procedures – 2016 Update – November 10, 2016*

The Major Performance Factors for Success in Banking – November 14, 2016*

Ratio Analysis to Determine Financial Strength – November 15, 2016*

Employment Records and How to Keep Them – November 15, 2016*

Lending 101 – November 16, 2016*

Dealing with Appraisals: Regulations and Requirements – November 16, 2016*

Opening High Risk Customer Accounts: More is Better – November 17, 2016*

Structure Your Sales & Service Culture Right – November 17, 2016*

Teller Compliance Issues: CTRs, Reg CC and Checks – November 29, 2016*

Signature Cards and Account Agreements: Understanding Account Titling, Ownership and Access – November 29, 2016*

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*

*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/education.aspx

Wyoming Bankers Association

Basic Bankruptcy for Bankers November 2, 2016

12:30 - 2:30 p.m. Mountain Time

Every banker should have a fundamental understanding of the U.S.

Bankruptcy Code and your bank's rights and obligations thereunder. This webinar will introduce you to the world of bankruptcy. It is

designed for lenders and support staff with the goal of educating them

on the fundamentals of both consumer and commercial bankruptcy

law. Practical information for daily use will be provided.

Highlights

Talk the talk: bankruptcy terminology

The basics of the Bankruptcy Court system and the role of the U.S.

Trustee's office

An overview of the various chapters of the Bankruptcy Code

(7,9,11,12,13,15 and 20)

Setoffs and foreclosure sales: the automatic stay and what the Bank can and cannot do after it goes into effect

Filing a proof of claim

Secured vs. Unsecured vs. Undersecured Claims

Exempt property

What debts of an individual can and cannot be discharged

The order or "priority" in which claims are paid in bankruptcy

The rules on Reaffirmation Agreements

Pursuing guarantors when a borrower files bankruptcy

Rejection of leases and executory contracts: how they can affect

the bank's collateral values

Bankruptcy timetable and special rules for single asset real estate cases

Special protections afforded members of the armed forces under

the Servicemembers Civil Relief Act

Preferences, fraudulent transfers and unauthorized post-petition

transfers

Speaker

Robin Russell co-chairs the bankruptcy and restructuring section of

the law firm of Andrews Kurth LLP. She has represented banks, DIP

lenders, debtors, creditors, committees and trade creditors in

bankruptcy courts across the United States for over 25 years and regularly speaks on bankruptcy related topics. She is a fellow in the

American College of Bankruptcy and has authored numerous

publications including the Texas Practice Guide on Creditors Rights

and the Texas Bankers Association's Texas Problem Loan Guide.

Audience

This program is designed for all lenders and their support staff.

About Webinars A webinar is an online seminar featuring audio, PowerPoint and

other interactive features. The program may be viewed on most

devices (computer, tablet, smart phone). No special hardware is needed; however, speakers or headphones are required. Each

Live Webinar registration provides one connection to the

webinar, materials and access to the On-Demand Webinar for 30

days. You may have unlimited listeners on your connection. You

will receive login instructions and materials prior to the seminar.

If you do not receive confirmation upon registering, email

[email protected]. An On-Demand Webinar is a webinar that has been recorded

and can be viewed at your convenience (24/7). Anyone at your

branch may access the program online using the login. With an

On-Demand Webinar, you have 6 months unlimited access to the

program from the date of purchase (access to the live webinar is

not included).

Add [email protected] as a safe sender on your email or

have your IT Administrator add mail.confedge.com to the SPF

records or to your email system whitelist to ensure that you

receive emails from the registration system.

Transmission, retransmission or republishing of the audio portion of the seminar is prohibited. Your registration entitles

you to 1 connection at 1 location with permission to copy

materials for participants. Complete one registration per

location.

Please check all appropriate boxes: SW2-1055

Webinar/materials (live webinar) $275 mem $550 nonmem On-Demand Webinar/materials* $295 mem $590 nonmem *Includes online access to a copy of the webinar for 6 months from purchase date

We cannot guarantee registration for incomplete and/or illegible registration forms received. Please complete the form and type or write carefully.

_____________________________________________________ Name Title

_____________________________________________________ Bank/Company

_____________________________________________________ Mailing Address

_____________________________________________________ City/State/Zip

_____________________________________________________ Phone/Fax

_____________________________________________________ E-mail

Three Ways to Register (Payment required to complete registration):

Online:http://bankers.confedge.com/ap/widget/events.cfm?widgetKey=29lQuI25oLhxi0vOZwq8&grp=

WY (up to the day of event)

Mail: Mail: completed form with check payable to ConferenceEdge 1516 Xavier St., Ste 500, Denver, CO 80204 (Mail 10 days prior to event)

Phone: Call ConferenceEdge at (877) 988-7526 (credit card payments only)

Earlier registration allows time to test your computer for an optimal experience.

Support: (for faster service please submit via email or online): Registration Questions: Email: [email protected], Phone: (877)988-7526; Broadcast Questions: Phone: 281-500-4065 x 1, Online: http://support.omnovia.com; Seminar Content Questions: Contact TBA at (512)472-8388 or email [email protected].


Countdown to Revised HMDA Rules November 4, 2016

9:30 - 11:30 a.m. Mountain Time

The final rules (797 pages in all) are generally effective on January 1, 2018, but changes begin with the 2017 HMDA data. The amendments

modify the types of institutions and transactions subject to the regulation, data that institutions are required to collect and the processes for reporting

and disclosing data. As we continue the countdown to the effective date, this program provides a thorough review of the current status of the

revisions to Regulation C. It assures participants will understand and have a plan to implement the new requirements and will increase awareness of

potential problems.

Highlights A thorough explanation of which institutions are covered:

Uniform loan-volume thresholds (at least 25 closed-end mortgage loans or 100 open-end lines of credit) in each of the two preceding

calendar years, provided the institution meets all other criteria. Which loans are and are not reportable:

Dwelling-secured standard for all loans or lines of credit for personal, family or household purposes.

Most consumer-purpose transactions, including closed-end home- equity loans, HELOCs and reverse mortgages.

Commercial transactions for home purchase, improvement or refinancing.

Detailed information on how to complete the LAR -- reportable data,

expanded from 26 to 53 fields. Collection of ethnicity, race and sex of applicants and borrowers:

Report whether ethnicity, race or sex was collected based on visual observation or surname if an application is taken in person not and

provided by the applicant. Applicants may self-identify using 15 new subcategories.

Filing Instructions Guide (FIG) (published July 2016) Data submission and public availability requirements. The final rule:

Retains requirement that institutions submit HMDA data by March 1 following the calendar year for which the data are collected.

Requires institutions that report large volumes of HMDA data to submit data for the first three quarters of the following calendar on

a quarterly basis. Removes requirements to provide disclosure statement and LAR to

the public -- notice will be provided that the information is available on the CFPB's website

Speakers

Jack Holzknecht, CRCM, is the CEO of Compliance Resource, LLC. He has been delivering the word on lending compliance for 39 years. Jack's

career began as a federal bank examiner. He also headed the form and software division of a regional consulting company. He has developed and

delivered training programs to bankers in 43 states as well as the FDIC. Kelly M. Owsley, CRCM, is Director of Training Services for

Compliance Resource, LLC. Since 2000, she has worked for financial institutions ranging from $250 million to $3 billion in assets. She has

worked in branch management, lending, product development and training. Kelly was recently responsible for compliance-related training

for a community bank.

Audience

Loan officers, compliance officers, loan processors, auditors or anyone with HMDA responsibilities. Whether new to the requirements or a

veteran, this program provides a comprehensive introduction to the new world of revised HMDA and Regulation C.


other interactive features. The program may be viewed on most devices (computer, tablet, smart phone). No special hardware is

needed; however, speakers or headphones are required. Each Live

Webinar registration provides one connection to the webinar,

materials and access to the On-Demand Webinar for 30 days. You may have unlimited listeners on your connection. You will receive

login instructions and materials prior to the seminar.

If you do not receive confirmation upon registering, email [email protected].

An On-Demand Webinar is a webinar that has been recorded and can be viewed at your convenience (24/7). Anyone at your branch

may access the program online using the login. With an On-Demand Webinar, you have 6 months unlimited access to the program from

the date of purchase (access to the live webinar is not included).

Add [email protected] as a safe sender on your email or have your IT Administrator add mail.confedge.com to the SPF records or

to your email system whitelist to ensure that you receive emails from the registration system.

Transmission, retransmission or republishing of the audio portion of

the seminar is prohibited. Your registration entitles you to 1 connection at 1 location with permission to copy materials for

participants. Complete one registration per location.




_____________________________________________________ Name Title

_____________________________________________________ Bank/Company

_____________________________________________________ Mailing Address

_____________________________________________________ City/State/Zip

_____________________________________________________ Phone/Fax

_____________________________________________________ E-mail









Benchmarking & Improving Bank Efficiency November 4, 2016


Trends in customer behavior, technology, products, economic

conditions and competition are changing the economics and costs of many bank functions. With continued pressure on profit growth, it is

increasingly important for banks to operate more efficiently.

Benchmarking performance is a valuable tool for finding opportunities

to improve performance. During this webinar, the presenter will

review how to use benchmarking, share specific industry benchmarks

for comparison and describe ways banks are using improving

efficiency today.

Highlights

As a result of attending this webinar, participants will:

Better understand sources for improvement in efficiency

Review sources for and approaches to benchmarking Receive a variety of benchmark metrics for comparison to their

own business

Learn about what other banks are doing to improve performance

Identify specific ways to improve efficiency at their institution

Review considerations for determining the "best" ways to improve

efficiency

Speaker

Timothy Reimink, Managing Director, Performance Improvement &

Bank Performance Consulting, Crowe Horwath, LLP, works with

financial institutions nationwide to improve performance. With Crowe since 2006, Tim assists clients with operational process improvement,

branch performance assessment, commercial credit risk management,

stress testing, strategic planning, technology planning and

compensation. He is responsible for Crowe's Financial Institution

Benchmarking database, including a Branch Performance

Benchmarking Study and Crowe's annual Financial Institutions

Compensation Survey. Mr. Reimink has 25 years of broad based

industry experience, including commercial lending, small business

banking, branch networks in large and small communities and

corporate planning.

Audience

Bank executives seeking ways to improve bank performance and

efficiency, including but not limited to CEO, CFO, heads of

operations, CIOs, heads of branches and lending.



devices (computer, tablet, smart phone). No special hardware is

needed; however, speakers or headphones are required. Each


webinar, materials and access to the On-Demand Webinar for 30 days. You may have unlimited listeners on your connection. You



[email protected].

An On-Demand Webinar is a webinar that has been recorded



On-Demand Webinar, you have 6 months unlimited access to the program from the date of purchase (access to the live webinar is

not included).





Transmission, retransmission or republishing of the audio

portion of the seminar is prohibited. Your registration entitles



location. Please check all appropriate boxes: SW2-1185



_____________________________________________________ Name Title

_____________________________________________________ Bank/Company

_____________________________________________________ Mailing Address

_____________________________________________________ City/State/Zip

_____________________________________________________ Phone/Fax

_____________________________________________________ E-mail









Surviving a Critical Incident: Your Human Capital is Worth Protecting

November 7, 2016 12:30 - 2:30 p.m. Mountain Time

In America today, we are faced with the potential to fall victim to horrific acts of violence. These incidents occur within our "Living

Space," such as schools, shopping malls, theaters and commercial

businesses. Financial institutions are a prime target, not only for

traditional workplace violence, but for other types of traumatic

incidents, including man-made and natural disasters.

This presentation not only highlights threats, but will empower you

with solutions to mitigate the damage. Although we will discuss

behavioral patterns that may be precursors to acts of violence, it is

essential to understand that they may occur with absolutely no warning

and at any time.

You will learn life-saving tips far surpassing the "Run-Fight-Hide"

methodology to protect your greatest asset, your human capital. Unlike

other presentations, we will strongly focus on what to do after the

incident occurs. This includes medical training and solutions available

to save lives during the critical period between the time the incident

occurs until traditional medical first responders arrive.

Highlights

Defining the threat

Facility security assessment considerations

Lessons learned from case studies Response to an active shooter

Self and buddy civilian trauma care awareness

Effectively communicating with first responders

Product solutions

Speaker

Dennis May, Chief Executive Officer of Life Saving Technologies

(LST), provides public awareness and critical incident training to

schools and businesses interested in mitigating today's critical

incidents. Dennis has over 24 years of federal law enforcement

experience, which includes being a SWAT Team Leader, a SWAT

EMT, a certified tactical instructor, a certified defensive tactics instructor and an Assistant Crisis Response Coordinator. Dennis has

provided physical security to hundreds of financial institutions across

the United States. He was a founding member of the Robbery

Investigators of Texas organization. Currently, LST is involved in a

partnership with FIRST CARE Provider (FCP), the nation's expert in

providing civilian medical care training. LST is pioneering Texas

Schools -Your Safety Matters initiative, dedicated to providing free

medical training and medical supplies to schools across Texas.

Audience

Security officers, HR managers, operations managers, executive managers, training managers, compliance officers and all employees.





Live Webinar registration provides one connection to the webinar, materials and access to the On-Demand Webinar for 30




[email protected].






not included).









location.




_____________________________________________________ Name Title

_____________________________________________________ Bank/Company

_____________________________________________________ Mailing Address

_____________________________________________________ City/State/Zip

_____________________________________________________ Phone/Fax

_____________________________________________________ E-mail









2016 Revised Servicing Rules November 8, 2016


The August 14, 2016, final rule clarifies, revises or amends the Dodd-Frank rules for servicers. This includes provisions regarding force- placed

insurance, prompt crediting and periodic statement requirements and provisions relating to successors in interest and to periodic statements for

borrowers in bankruptcy. While the revisions are extensive, the rules retain the small servicer

exception that allows many community-based institutions to avoid a portion of the burden. The new rules impact all financial institutions to

some extent. Implementation of most of the revisions is mandatory by August 2017. Start your preparations now -- there is plenty of time to

implement the changes in an orderly manner, rather than engaging in an emergency crash landing.

Highlights

Successors in interest rules including: The definitions of successor in interest for purposes of Regulation

X's subpart C and Regulation Z How a mortgage servicer confirms a successor in interest's identity

and ownership interest The application of the Regulation X and Z mortgage servicing rules

to successors in interest once a servicer confirms the successor in interest's status

Definition of "delinquency"

Revised rules for requests for information Revisions for force-placed insurance disclosures and model forms

Revised early intervention rules Major rework of loss mitigation rules

Clarification of prompt crediting requirements Changes to periodic statement rules

Clarification and expansion of the small servicer exemption The tweaks made to the Fair Debt Collection Practices Act

Speakers

Jack Holzknecht, CRCM, is the CEO of Compliance Resource, LLC. He has been delivering the word on lending compliance for 39 years. Jack's

career began as a federal bank examiner. He also headed the form and software division of a regional consulting company. He has developed and

delivered training programs to bankers in 43 states as well as the FDIC. Kelly M. Owsley, CRCM, is Director of Training Services for

Compliance Resource, LLC. Since 2000, she has worked for financial institutions ranging from $250 million to $3 billion in assets. Kelly has

worked in branch management, lending, product development and training. Recently, she was responsible for implementing and training all

compliance related topics for a community bank.

Audience Mortgage department managers, loan officers, compliance officers, loan

processors and clerks, auditors, and anyone else with responsibilities related to the servicing of mortgage loans.


other interactive features. The program may be viewed on most devices (computer, tablet, smart phone). No special hardware is

needed; however, speakers or headphones are required. Each Live

Webinar registration provides one connection to the webinar,

materials and access to the On-Demand Webinar for 30 days. You

may have unlimited listeners on your connection. You will receive login instructions and materials prior to the seminar.


[email protected]. An On-Demand Webinar is a webinar that has been recorded and

can be viewed at your convenience (24/7). Anyone at your branch may access the program online using the login. With an On-Demand

Webinar, you have 6 months unlimited access to the program from the date of purchase (access to the live webinar is not included).

Add [email protected] as a safe sender on your email or have

your IT Administrator add mail.confedge.com to the SPF records or to your email system whitelist to ensure that you receive emails from

the registration system. Transmission, retransmission or republishing of the audio portion of

the seminar is prohibited. Your registration entitles you to 1 connection at 1 location with permission to copy materials for

participants. Complete one registration per location.




_____________________________________________________ Name Title

_____________________________________________________ Bank/Company

_____________________________________________________ Mailing Address

_____________________________________________________ City/State/Zip

_____________________________________________________ Phone/Fax

_____________________________________________________ E-mail









Problem Prevention on the Teller Line: Fraud, Check & Cash Handling, Robbery & More


There’s no question your tellers play an important and integral role in banking today. A critical responsibility for any teller is to be constantly

aware of areas where the institution might be at risk for a loss due to

unscrupulous behavior on the part of someone who banks with you.

Vigilance in following cash-handling procedures and bank policy

regarding check cashing are a must. Being well-informed and well-

trained in the event of a robbery is necessary for the safety of everyone

in the bank. Being able to scrutinize transactions and make good

decisions while delivering exceptional customer service is something

every bank manager insists upon.

This fast-paced webinar provides the tools, best practices, tips and techniques every teller should know in order to minimize risk while

providing exceptional customer service. Your tellers will become

more alert and able to identify and prevent losses from a variety of

sources.

Highlights

Following procedure

Scam and con prevention

Best practices in cash handling

Importance of organization

Keys, stamps, combinations and passwords Dual control

Bank robbery preparedness

Verification concerns

Check cashing guidelines

Scrutinizing identification

Speaker

Janice Branch is a Certified Bank Training Professional for

InterAction Training. She has all the right stuff to wow her

participants. Janice is the go-to person when it comes to teaching how

to coach, manage, lead, negotiate, service, sell or train at every level in

an organization.

Audience

All tellers, head tellers, teller supervisors and trainers.









[email protected].



branch may access the program online using the login. With an On-Demand Webinar, you have 6 months unlimited access to the


not included).








materials for participants. Complete one registration per location.




_____________________________________________________ Name Title

_____________________________________________________ Bank/Company

_____________________________________________________ Mailing Address

_____________________________________________________ City/State/Zip

_____________________________________________________ Phone/Fax

_____________________________________________________ E-mail









Catching the Evil Insider November 10, 2016


These days, most of our security focus has turned to external threats -

- the data breaches, the huge vulnerabilities that affect most of the Internet like ExtraBacon and Stagefright or the hacker sitting in his

mom's basement, drinking gallons of Mountain Dew, eating a bowl of

Cheetos and hacking the planet!

But what about that internal threat that we used to talk so much about?

The one that doesn't need to worry about deftly maneuvering around

all of the controls you've implemented to keep people out -- because

they already have access! How can you be sure that you're monitoring

your network and your institution against the malicious insider? Learn

what kind of controls you can implement to prevent data from walking

out your door without you even knowing about it. Check out this

discussion for some tips on preventing or tracking the malicious insider!

Highlights

Profile of a fraudster

Improved internal controls

Fraud characteristics and detection methods

Security training and whistleblower models

Speaker

Chad Knutson, CISSP, CISA, CRISC, is the co-founder of Secure

Banking Solutions (SBS) where he serves as a Senior Information Security Consultant and VP of Research and Development. He is

currently the president of the SBS Institute. SBS is headquartered in

Madison, S.D., and is a leader in information security consulting for

the financial industry in the U.S. SBS works with more than 500 banks

around the country on information security services.

Audience

ISOs, network administrators, security and risk officers, internal

auditors, compliance officers and executive management looking for

a deeper understanding of risks to the institution.















not included).


have your IT Administrator add mail.confedge.com to the SPF records or to your email system whitelist to ensure that you






location.

Please check all appropriate boxes: SW2-1319A



_____________________________________________________ Name Title

_____________________________________________________ Bank/Company

_____________________________________________________ Mailing Address

_____________________________________________________ City/State/Zip

_____________________________________________________ Phone/Fax

_____________________________________________________ E-mail









Introduction to Commercial Lending November 14 & 21, 2016


This webinar is a must for all new commercial lenders and those who

want to explore this vital discipline! It will provide you with a thorough understanding of the basic tools and concepts required to become

successful in analyzing, interpreting, negotiating and managing risk

when lending to business borrowers.

Highlights

Define commercial lending

Discuss "conventional" commercial lending vs. SBA lending

Explore "credit scoring"

Review underwriting a commercial loan including "financial

statement analysis" (with emphasis on cash flow analyses)

Display a standard loan "write up"

Discuss negotiating commercial loans, sources of commercial financing and legal aspects of commercial lending

Speaker

David L. Osburn, CPA, CCRA, NACM, is the founder of Osburn &

Associates, LLC, a business training and contract CFO firm that

provides seminars, webinars and keynote speeches for bankers, CPAs,

attorneys, credit managers and business owners on topics such as

banking/finance/credit, negotiation skills, marketing and management

issues. Mr. Osburn's clients include financial institutions, law firms,

CPA firms, real estate developers and contractors. His extensive

professional background includes 14 years as a Business Trainer/Contract CFO and 16 years as a bank commercial lender. 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 29

years.

Audience

Commercial lenders, credit analysts, loan documentation specialists,

private bankers, business development officers, branch managers and

financial service representatives.















not included).


have your IT Administrator add mail.confedge.com to the SPF records or to your email system whitelist to ensure that you






location.


Webinar/materials (live webinar) $525 mem $1,050 nonmem On-Demand Webinar/materials* $565 mem $1,130 nonmem *Includes online access to a copy of the webinar for 6 months from purchase date


_____________________________________________________ Name Title

_____________________________________________________ Bank/Company

_____________________________________________________ Mailing Address

_____________________________________________________ City/State/Zip

_____________________________________________________ Phone/Fax

_____________________________________________________ E-mail









Loan Participations for Community Banks: Risks & Rewards November 15, 2016


This program covers the risks and rewards of loan participations to

both the lead bank and the purchasing bank. Attendees will gain a thorough understanding of Participation Agreements. A participant's

checklist for a well-drafted Participation Agreement will be reviewed

and administration of the participated loan will be discussed.

Highlights

Advantages of a participation to the lead bank and participant bank

Risks to the participant

Lack of information

Lack of involvement in negotiations

Dependency upon lead

Waivers

Financial instability/insolvency of lead Set-off by borrower

Failure to perfect

Conflicts of interest

Due diligence by the participant and access to information

Disclosure of participation to borrower

Concentrations and other regulatory aspects of participations

Loan agreement provisions related to participations

Duties owed by lead to participant

Rights to loan collateral and guaranties

Loan administration issues

Loan payments and other functions Consent to amendments

Restrictions on transfer

Loan purchase options

Reimbursement and indemnification obligations

Subparticipations

Set-off by participant

Understanding the participation agreement

The participant's checklist

The participation in workout

Speaker Robin Russell is a partner with the law firm of Andrews Kurth L.L.P.,

practicing in the areas of banking, bankruptcy and corporate finance,

representing banks, insurance companies, corporate and individual

borrowers in secured commercial and consumer lending transactions.

Robin is the author of TBA's bestselling "Texas Secured Lending

Guide" and the "Texas Real Estate Lending Guide." She teaches loan

documentation annually to over 5,000 bankers nationwide.

Audience

CRE lenders, commercial lenders, credit analysts, loan review

specialists, special assets officers, lending managers and credit

officers. Support personnel involved in the administration of loan participations are also encouraged to attend.









[email protected].






not included).









location.




_____________________________________________________ Name Title

_____________________________________________________ Bank/Company

_____________________________________________________ Mailing Address

_____________________________________________________ City/State/Zip

_____________________________________________________ Phone/Fax

_____________________________________________________ E-mail









How a Defined Pricing Strategy Can Make a Difference in Your Bank’s Success


This session will focus on the advantages of having a defined pricing strategy and the tools needed to put that strategy into practice. We will

discuss the various options banks have in choosing a strategy, how

your value proposition/brand impacts strategy and the specifics your

bank needs to take into account for pricing both loans and deposits.

Highlights

Learn why having a specific strategy is critical to execution and a

must have for any top performing bank

Understand how the many faces of risk plays into setting strategy

Find out when to pay attention and when to ignore your

competition

See how to optimize pricing to achieve various goals Explore how pricing is best integrated into product design,

marketing and sales

Speaker

Chris Nichols, Chief Strategy Officer at Centerstate Bank, is former

CEO of the capital markets arm of Pacific Coast Bankers' Bank and

former author of the Banc Investment Daily. Chris Nichols is an active

bank investor, entrepreneur and lover of quantified banking. Chris and

the team at Centerstate Bank are out to highlight the best of community

bank performance. Centerstate Bank focuses on loans, deposits, credit,

branding, predictive analytics, sales, investments, customer engagement, products, social media, finance, economics and many

other areas with the goal of sharing ideas and improving the industry.

Audience

CFOs, SVPs and above in charge of loans or deposits. In addition, this

session should be required for all ALCO members. Marketing officers

may benefit as well.



devices (computer, tablet, smart phone). No special hardware is needed; however, speakers or headphones are required. Each






[email protected].



branch may access the program online using the login. With an On-Demand Webinar, you have 6 months unlimited access to the


not included).



records or to your email system whitelist to ensure that you receive emails from the registration system.





location.




_____________________________________________________ Name Title

_____________________________________________________ Bank/Company

_____________________________________________________ Mailing Address

_____________________________________________________ City/State/Zip

_____________________________________________________ Phone/Fax

_____________________________________________________ E-mail









Stopping the Hacker: Hacking Techniques & Preventive Countermeasures


Hackers are advancing techniques and blending non-technical

methods (such as social engineering) in their techy toolbox of tricks.

How does a hacker put it all together for continued successful

compromises of networks? We'll show the methodologies used by Advanced Persistent Threats and Organized Crime groups to drop

their gadgets on your systems. After reviewing these methods of

compromising a network environment, we will show how layering

controls on your network can prevent or reduce the impact of security

incidents. There is no absolute security in today's world, but there are

plenty of common sense and creative solutions to shutting down the

hackers.

Highlights

Common controls and best practices

Layered security models Advanced auditing and testing methods

Overview of Kill Chain and APT styles

Speaker

Chad Knutson, CISSP, CISA, CRISC, is the co-founder of Secure

Banking Solutions (SBS) where he serves as a Senior Information

Security Consultant and VP of Research and Development. He is

currently the president of the SBS Institute. SBS is headquartered in

Madison, S.D., and is a leader in information security consulting for

the financial industry in the U.S. SBS works with more than 500 banks

around the country on information security services.

Audience

ISOs, network administrators, security and risk officers, internal

auditors, compliance officers and executive management looking for

a deeper understanding of risks to the institution.









[email protected].






not included).





Transmission, retransmission or republishing of the audio portion of the seminar is prohibited. Your registration entitles



location.

Please check all appropriate boxes: SW2-1319B



_____________________________________________________ Name Title

_____________________________________________________ Bank/Company

_____________________________________________________ Mailing Address

_____________________________________________________ City/State/Zip

_____________________________________________________ Phone/Fax

_____________________________________________________ E-mail









Opening Accounts for High Risk Customers: Updated for CDD November 18, 2016


Today's decision to bank or not to bank high risk customers has been

called a movement to de-risk (choosing not to bank a whole group of customers). This process is being criticized as perhaps not being in the

best interests of the country since there will be groups who find it

difficult to find banking services. It may send industries into virtual

currency and cash which make them less transparent. Perfect examples

of this are marijuana-related businesses, money service businesses,

nonresident aliens, pay day lenders and third party payment

processors.

Instead, it may make more sense and ultimately be good for local

institutions and national objectives to bank the high risk customers

whose risk we can manage. If you choose to bank some of the high

risk customer groups, what should you be looking for and what paperwork and documentation should you get before entering the

relationship? This webinar will delve into scripts, documentation and

monitoring for high risk customers.

Highlights

How to identify high risk account holders-NAICS, CTR

exemptions, FFIEC Exam Manual

Account holder type and account holder behavior feed risk scores

What do we need to know about these high risk account holders?

How can we monitor them? Change risk? Close relationships?

A special look at NRA, PEPs, MSBs, NGOs and cash intensive businesses

How do these account holders affect your overall risk rating?

Impact on policy, procedures and monitoring

New CDD rules and how they apply to high risk customers

Speaker

Deborah Crawford is the President of Gettechnical Inc, a firm,

specializing in the education of financial institutions across the nation.

Her 27+ years of experience began at Hibernia National Bank in New

Orleans. Debbie specializes in the education of financial institution

employees and officers in the area of deposit account laws, new account documentation, insurance, compliance regulations and IRAs.

Audience

This webinar will benefit BSA officers, BSA support personnel,

deposit operations, compliance officers, new accounts, branch

operations, all branch personnel and training.




needed; however, speakers or headphones are required. Each Live Webinar registration provides one connection to the





[email protected].


and can be viewed at your convenience (24/7). Anyone at your branch may access the program online using the login. With an



not included).







you to 1 connection at 1 location with permission to copy materials for participants. Complete one registration per

location.

Please check all appropriate boxes: SW2-1271D



_____________________________________________________ Name Title

_____________________________________________________ Bank/Company

_____________________________________________________ Mailing Address

_____________________________________________________ City/State/Zip

_____________________________________________________ Phone/Fax

_____________________________________________________ E-mail









Successful Sales Strategies for Lenders November 22, 2016


This webinar teaches those charged with business development responsibilities the primary skills, thought processes and behaviors

necessary to expand relationships and client acquisition. Business

development isn't about luck or magic. It's not about being pushy. It's

about following a process, it's about having a plan and becoming

deliberate and on purpose when it comes to exploring and acquiring

new business.

Lenders are expected to seek out new business as well as retain and

expand existing business. They are obligated to represent the brand of

the company, develop a tactic for knowing products and services,

setting goals and building a sales performance plan that is well-

managed, executed and adjusted in order to obtain the desired results. Understanding and following these 11 steps will show you the way.

Highlights

1. Know and exceed expectations

2. Manage the impression

3. Overcome obstacles

4. Sharpen product knowledge

5. Identify targets

6. Set goals

7. Build your plan

8. Execute your plan 9. Use best practices for effective calls

10. Document your effort and results

11. Follow up; follow through

Speaker

Honey Shelton brings the best of both worlds to her speaking and

training engagements. She has 30 plus years of experience as a training

and quality improvement consultant for banks, credit unions and

related-associations across the country. Her substantial banking

background includes spending three years as Executive Vice

President/Chief Retail Banking Officer with a $1 billion South Texas bank. Nationally recognized as an outstanding speaker, over a half

million bankers have participated in programs Honey has presented.

Her depth of knowledge, enthusiasm and compelling personality have

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

1983.

Audience

Loan Officers and those responsible for sales training and leading the

Lending and Business Development programs.

About Webinars A webinar is an online seminar featuring audio, PowerPoint and other interactive features. The program may be viewed on most







If you do not receive confirmation upon registering, email [email protected].






not included).



records or to your email system whitelist to ensure that you receive emails from the registration system.





location.




_____________________________________________________ Name Title

_____________________________________________________ Bank/Company

_____________________________________________________ Mailing Address

_____________________________________________________ City/State/Zip

_____________________________________________________ Phone/Fax

_____________________________________________________ E-mail









Assessing Diversity Policies & Practices: Final Interagency Statement


In June 2015, the FDIC, OCC and other federal regulators published final advisory standards outlining a range of activities and programs

they would like to see implemented. The agencies released "frequently

asked questions" in August 2016, which further define the

expectations.

The rules are effective now and envision, among other actions, formal

self-assessments to be completed in the first quarter of 2017. You may

have recently received a letter from the Federal Reserve regarding the

self-assessment. Although it says submission is "voluntary," it also

states that banks are "encouraged" to conduct the self-assessment and

provide results to the Federal Reserve and to the public. The results

will also be shared during compliance reviews.

This session outlines the details and suggestions for satisfying the new

standards. It includes new expectations regarding entering into

procurement relationships with minority and woman-owned

businesses. It also offers practical suggestions for demonstrating

satisfaction of the standards during regulatory compliance reviews.

Highlights

What actions are expected to demonstrate that an organization is

committed to diversity?

What workforce and employment practices should be

implemented?

What procurement and business practices should exist to improve

vendor opportunities? What disclosures regarding diversity and inclusion are expected?

How do the standards correspond to affirmative action plan

obligations?

Speaker Steve Greene specializes in employment litigation, employee benefit

issues and compensation matters. He regularly speaks to employment

lawyers and human resources professionals in the banking industry.

During the past 30 years, Steve has assisted financial institutions to

evaluate overtime exemption compliance. He has also managed

federal and state regulatory investigations and litigation across the

country. His has also worked with industry associations to influence

the DOL and members of Congress.

Employment Law Compliance (www.employlawcompliance.com)

works exclusively with community banks, large and small, in assisting

them in satisfying their employment compliance obligations. It has the

privilege to support nearly 500 community banks across the United

States.

Audience

HR, senior leaders, compliance, audit and bank counsel.









[email protected].






not included).









location.




_____________________________________________________ Name Title

_____________________________________________________ Bank/Company

_____________________________________________________ Mailing Address

_____________________________________________________ City/State/Zip

_____________________________________________________ Phone/Fax

_____________________________________________________ E-mail









SSN, EIN & ITINS & IRS Deposit Reporting November 30, 2016


Received your CP2100? Facing a $20,000 fine for name mismatches?

If your institution received the IRS name mismatch list, you must follow the B Notice Process to avoid being fined. If not, you will then

receive the 972CG penalty letter and must follow that process. Need

to know more? This webinar will help.

There are three elements to running effective account opening and tax

reporting to the IRS. The first is getting the accounts opened with

proper taxpayer identification numbers. These can be social security

numbers (SSNs), Employer Identification Numbers (EINs) or

Individual Taxpayer Identification Numbers (ITINs). Your customer

certifies this number on a W-9, W-8BEN or W-8BENE. After initial

certification, the interest is reported to the IRS on a 1099 int or 1042S.

And then the hard part, you receive a letter from the IRS (CP2100) telling you these names do not match and you are facing significant

fines. This third element we will call reconciliation. How you handle

reconciliation determines whether or not you are fined. This webinar

is about the integration of these three elements from the front of the

house to the back of the house.

Highlights

Element one: opening the accounts W-9

W-8BEN W-8BENE

Element two: reporting to the IRS 1099 Int

1042S Element three: reconciliation with the IRS CP 2100 and the B

Notice Process 972CG Penalty Letter

Speaker

Deborah Crawford is the President of Gettechnical Inc, a firm,

specializing in the education of financial institutions across the nation.

Her 27+ years of experience began at Hibernia National Bank in New

Orleans. Debbie specializes in the education of financial institution

employees and officers in the area of deposit account laws, new

account documentation, insurance, compliance regulations and IRAs.

Audience

Bookkeeping, branch administration, deposit operations, CIP

managers, BSA officers, training and business development

personnel, new accounts and personal bankers.









[email protected].




On-Demand Webinar, you have 6 months unlimited access to the program from the date of purchase (access to the live webinar is

not included).









location. Please check all appropriate boxes: SW2-1013



_____________________________________________________ Name Title

_____________________________________________________ Bank/Company

_____________________________________________________ Mailing Address

_____________________________________________________ City/State/Zip

_____________________________________________________ Phone/Fax

_____________________________________________________ E-mail








It’s Time for a TRID Check Up Wednesday, November 2, 2016

9:00 AM–11:00 AM Mountain Time

WYOMING BANKERS ASSOCIATION

Program Content: It’s been a year since the TILA RESPA Integrated Disclosures went into effect. Do you feel like you’re in need of a TRID check up? Well, you are in luck! We’ve put together a comprehensive two-hour TRID check-up webinar. This webinar will translate in plain English the requirements, interpretations, latest guidance and best practices. Covered Topics:

Application Dates (TRID vs. ECOA vs. HMDA)

The Broader Coverage Effects of TRID

Shopping (the List & Loan Estimate vs. Closing Disclosure)

Fee Itemization and the Legal Obligation

TRID Purpose Confusion

Construction Loans (Including Samples!)

Owner’s and Lender’s Title Insurance In Plain English

Calculating Cash to Close

Changed Circumstances (Shopping, 10% and the Black Hole)

And Much, Much More! Who Should Attend: Consumer real estate loan officers, loan processors, compliance and audit personnel Presenter: A Certified Regulatory Compliance Manager (CRCM), Jerod Moyer's experience includes over 15 years in the regulatory compliance field. He has held compliance positions with an $800 million community bank and an $840 million five-bank holding company. Jerod's passion for and experience in the compliance profession allow him to take complex regulatory requirements and provide realistic solutions. Jerod is the leader of Banker's Compliance Consulting's seminar and training productions. An accomplished teacher, he conducts compliance seminars for Banker's Compliance Consulting. Jerod has also been a speaker for the American Bankers Association, many state banking associations and schools, and various webinars. 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 $325

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.

W-9, W-8BEN and W-8BEN-E Wednesday, November 2, 2016

12:30 PM–2:30 PM Mountain Time


Program Content: Our job as a withholding agent for the IRS is more complicated than ever. With new FATCA rules going into effect in 2015, establishing the customer as a US Person and having them sign a more complicated W-9 is a difficult process. Not to mention the W-8BEN and W-8BENE. We will look at the name control match process, the IRS CP2100 process, how your institution may begin back up withholding, and many other issues. Learn how to get the forms right at new accounts so the IRS reporting is correct and in compliance. Covered Topics:

Line by line review of the W-9

Why there are four different options for an LLC

Exemption codes on the W-9 and FATCA exemption codes

What are the exemption codes for corporations, public funds, IRAs?

SSNs, ITINs and EINs - who needs what

IRS reporting on the 1099 Int and the 1042S

What happens when name and TIN do not match? B notices and fines

How does the IRS set up name control files?

Line by Line Instruction on the new W8BEN and W-8BEN E

Does a NRA have to have a foreign taxpayer identification number?

What is a nonresident alien? What if there is no country address?

Basic understanding of FATCA and how it impacts your organization

Documenting GIIN for foreign financial institutions Who Should Attend: Deposit operations, deposit compliance, new accounts, bookkeeping, IRS reporting specialists, and any person who opens accounts or reports interest to the IRS 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: ______________________________________

*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: ____________________________________


Scripting the New Account Interview for Compliance

Thursday, November 3, 2016 9:00 AM–11:00 AM Mountain Time


Program Content: Regulators are now asking for the "script" for opening deposit accounts. Many institutions have been caught off guard with their request. A new account script for compliance and fairness makes absolute sense in this highly regulated environment. During this program we will develop scripts with different options for both personal and business accounts. You will receive both a personal account and business account script which will promote accuracy and fairness in accomplishing our tasks for compliance at the frontline. Covered Topics:

Tasks involved in the personal account interview

Risk rating customers

Handling Overdraft Privilege, Holds, Disclosures and other issues

Tasks involved in the business account interview

Regulation GG, Marijuana related businesses, privately held ATMs, Money Service Businesses

Protecting from Unfair and Deceptive Practices through clear and helpful techniques for product development

Who Should Attend: Branch Operations, Marketing, Sales, Compliance, Branch Managers, New Account Representatives, Personal Bankers. 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: ____________________________________


Robbery Procedures, Counterfeit and Fraudulent Items

Thursday, November 3, 2016 12:30 PM–2:30 PM Mountain Time


Program Content: Let's gear up and get ready for that season of the year again that we all dread!! Robbery Season!! Robberies occur more in December than any other month according to FBI statistics. How can you keep your employees safe at your financial institution during a robbery? First, you need to try to prevent the robbery from happening in the first place. Let's stay ahead of the bad guys and protect our employees and customers BEFORE a robbery occurs. In this informative webinar, we'll cover the ABC's of security devices, review methods for preventing robberies, and what to do before, during and after a robbery. Let's keep these procedures top of mind and practice what we learn so we will be sharp and prepared for the worst but hope for the best. We'll also discuss how to detect counterfeit money, and the security features of "old" and "new" bills currently in circulation. Covered Topics:

Robbery prevention methods

Opening and closing procedures

Robbery procedures; before, during and after a robbery

Identifying features of U.S. currency

How to detect counterfeit money

Close-up look at each note

Security features of the new $100 note Who Should Attend: All staff, including those in the back office. All staff should receive training on robbery and security procedures, especially those who enter or leave the building before or after regular lobby hours, work in the lobby, visit the lobby occasionally, or possess combinations or keys that access cash or handle cash. Presenter: Christy Crawford is president of Christy Crawford Consulting specializing in the education of banks and credit unions across the nation. Christy is an associate speaker for Gettechnical Inc. As a former trainer for Wal-Mart Corporation, and former V.P. of Gettechnical Inc. she brings her previous 12 years of sales and training experience to your financial institution. She earned a bachelor's degree from Louisiana State University and is BSA/AML certified. Her expertise is in the deposit side of the financial institution and focuses on teller, new accounts, IRAs, HSAs, robbery, security and BSA for the frontline training.


Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


BSA Emerging Issues Friday, November 4, 2016



Program Content: BSA emerging issues is our topic. This is a big agenda covering a wide span of topics for BSA professionals. We'll look at personal liability, insiders, trade based money laundering, new currencies and payment methods. This program is a must to stay current on BSA issues. Covered Topics:

Banking pay day lenders, third party payment processors and money service businesses

Trade based money laundering

Know Your Employee (KYE); Who and what constitutes an “insider”?

Managing Alerts

Customer Due Diligence Update

Subpoenas and other law enforcement notifications

Pending changes to the CTR

New CDD rules and their impact on new account procedures

Revisiting CIP with new CDD

And much more Who Should Attend: BSA Officers, BSA Staff, Deposit Operations, Compliance, Audit, Security and Training 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: ____________________________________


What to Do When a Customer Dies

Wednesday, November 9, 2016 9:00 AM–11:00 AM Mountain Time


Program Content: Ironically, when a financial institution learns a deposit or loan customer has died, confusion and dread seem to be the normal reaction. We'll walk you through the complicated process of dealing with a customer's death - both on the deposit side and the loan side, as well as unique issues when doing business with the decedent's estate. Covered Topics:

What documents are required upon the death of an individual?

What actions should your financial institution take on deposit accounts owned by the decedent?

How should your financial institution deal with the decedent's estate?

What should your financial institution do if there isn't an estate?

How should your financial institution handle "death" as a default on a loan?

What does every lender need to know about doing business with the borrower's estate?

What steps can your financial institution take to protect its collateral after the borrower has died?

How should your financial institution handle issues of guarantors, setoff and insurance once the borrower has died?

How does the death of a key person affect the borrowings of Corporations, Partnerships, Limited Liability Companies, Trusts and other legal entities?

Who Should Attend: New account representatives, personal bankers, customer service representatives, lenders and loan operations personnel. 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: ____________________________________


Understanding and Managing the CFPB Complaint Process

Wednesday, November 9, 2016 12:30 PM–2:30 PM Mountain Time


Program Content:

The CFPB (Consumer Financial Protection Bureau) has been inviting consumers to “tell their story” and file complaints since July, 2011. When the CFPB launched its monthly report of consumer complaints in July 2015, Director Cordray said “Consumer complaints are the CFPB’s compass and play a central role in everything we do. They help us identify and prioritize problems for potential action.”

While the CFPB may not be the primary regulator for your financial institution, it’s critical to understand how the CFPB complaint process has changed regulatory expectations, and what your bank or credit union should be doing to proactively manage complaints.

Covered Topics:

Learn how the CFPB uses complaint information to guide investigations, develop enforcement actions, and require reimbursement to consumers.

Learn the regulatory “expectations” for complaints that include:

o Accepting complaints – what is a “complaint”, how are they recorded and how are they resolved?

o What’s a “reasonable” timeframe to respond to a complaint?

o What type of complaints required escalation and immediate attention?

o What types of complaints indicate potential UDAAP (unfair, deceptive, or abusive acts or practices)?

o What type of complaints may indicate potential “consumer harm”?

o What type of complaints should result in changes to products, services, or practices?

o What steps should be taken when the complaint involves a third party vendor?

What do recent enforcement actions tell the financial service industry about the importance of complaints?

How is social media used by regulators in the complaint process?

What do the employees in your financial institution need to know about handling complaints? How should complaints be tracked and evaluated? What type of training should be completed for handling complaints?

BONUS – TOOLS TO HELP YOU COMPLY o Complaint Policy, Procedures and tracking form in

WORD that can be modified for your financial institution

o Helpful UDAAP compliance resources and

regulatory guidance, including FDIC Abusive Practices –Third Party Procedures checklist

o UDAAP Risk Assessment checklist o Checklist for “Evaluating Consumer Harm”

Regulatory resources Who Should Attend:

Senior Management, Compliance Officers, Risk Managers, Branch

Managers, Call Center Managers, Loan & Deposit Operation Managers, Marketing Staff, and Product Development Specialists 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 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: ____________________________________


Writing an Effective Credit Memorandum Thursday, November 10, 2016



Program Content: This is the description from our webinar that was presented in May 2016. Please check back for a modified description. Topics

may be updated, but registration is now open.

After a detailed credit analysis of a loan request has been performed, it's now time to communicate your findings in writing. Credit memoranda are a primary means of communication within

the banking industry. When writing effective credit memoranda, it's not what you say that commands attention, but how you say it. Credit memoranda serve three functions: 1) they provide information on the condition and status of a customer relationship; 2) they provide a record of thoughts and actions; and 3) they support or recommend action.

This course teaches skills required to write an effective credit memorandum. Learn to emphasize important factors and trends without stating the obvious. In short, your credit memoranda should present relevant, material facts, along with your thoughts and opinions. Remember, anything you write in a credit memorandum will become public record if you find yourself in court with a borrower.

Covered Topics:

Balance Sheet analysis

Income Statement analysis

Cash Flow analysis

Calculating and interpreting financial ratios and cash flow

Questions to raise with the customer after the credit analysis is completed

Outline of relevant factors to include in a credit memorandum

How to report your finding efficiently and effectively in credit memoranda

Apply the concepts to a study case

Learn to:

Strengthen your understanding of credit analysis

Interpret financial trends and financial ratios

Write succinct and focused credit memoranda

Meet with management armed with relevant questions and issues to be addressed

Feel more confident in defending a recommended course of action based on relevant facts and not instinct

Who Should Attend:

Commercial Loan Officers, Consumer Loan Officers, Credit Analysts, Loan Review Personnel, Compliance Officers, Internal Auditors, Branch Managers

Participant should have some experience or prior class work in analyzing financial statements and/or credit analysis.

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: ___________________________________________

*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: _________________________________________


Top 50 Most Important SD Procedures –

2016 Update Thursday, November 10, 2016



Program Content: The safe deposit operation is a unique, fast-changing service in the financial industry. It's the only service in which members of your staff don't know the value of a consumer's assets. As a result, every vault transaction can lead to considerable liability. Effective procedures and sound daily practices can counteract and minimize this risk.

Learn the "nuts and bolts" and recommended day-to-day operating procedures for your institution.

Covered Topics: Test Your Procedures: Answer: (Y) YES (N) NO (NS) NOT SURE to review your internal procedures. Answers OPERATIONS, LAWSUITS & LIABILITY ISSUES: _____ Can box keys be duplicated using silly putty and epoxy glue? _____ Will your part-time attendant make a good courtroom witness? _____ Do you follow the ten necessary steps when granting box access? _____ Do you have at least ten items included in your new box renter's kit? _____ Can FDIC/NCUA signs, logos or brochures create safe deposit liability? _____ Can you purchase locksmith tools on EBAY that can open boxes in seconds? _____ Are you providing a "No Insurance Disclosure Notice" to all new box renters? _____ Do you require five types of identification from every signer on a new box contract? _____ Are you aware of your liability if box access is allowed "before or after" lobby hours? _____ Do you know why you will lose a lawsuit if you are leaving anyone in your vault alone?

How did you do on the test? This presentation addresses these issues and much more.

Who Should Attend: Safe deposit supervisors, full-time or relief vault attendants, auditors, and any employee who works in the safe deposit area.

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: ______________________________________









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: ____________________________________


The Major Performance Factors for Success in Banking

Monday, November 14, 2016 12:00 PM–1:00 PM Mountain Time


Program Content: As salespeople and sales managers, we’d like to think that we know the qualities that a great salesperson must have, but most of us would readily admit that it’s tough to put your finger on them. There actually are five Major Performance Factors* that measure the effectiveness of a salesperson and those factors are:

No Need for Approval

Supportive Buy Cycle

Supportive Record Collection

No Money Issues

Ability to Control Emotions You can improve these skills through awareness and training, and if you do, you will be more likely to execute in selling situations. This webinar will help you by focusing on how the major performance factors may be affecting your selling success. * Objective Management Group, Inc. Covered Topics:

Is your need for approval with prospects getting in the way of your asking the right tough questions of your prospect?

What is your buy cycle like with a large purchase and how does that affect the buying cycle for your prospect?

Do you have thought patterns or ‘record collections’ that inhibit your selling effectiveness?

How comfortable are you discussing money and budget issues?

Do you find your self getting emotionally involved in your prospects’ response and not fully listening to what they are saying?

Who Should Attend: Salespeople, Sales Managers, Marketing Managers Presenter: Jack's 30+ years in sales and sales management spans a host of industries including software, transportation, vending and printing services. During his tenure at FedEx, he was in charge of all aspects of regional training prior to being promoted to District Manager. Jack brings the deep experience of feet on the street, practical selling as well as the coaching and training background to make a difference in your organization.


Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Ratio Analysis to Determine Financial Strength

Tuesday, November 15, 2016 9:00 AM–11:00 AM Mountain Time


Program Content: This is the description from our webinar that was presented in November 2015. Please check back for a modified description.

Topics may be updated, but registration is now open.

Credit (Risk) Analysis is one of the most important functions performed by financial institutions. Because interest and fee income from loans represent the largest source of revenue for

financial institutions, thorough credit analysis must be performed before loans are approved and funded.

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

Covered Topics:

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

Leverage o Ratios to Measure the Proportion of Support

Provided by Owners and Creditors

Asset Management o To Measure the Ability of Management to

Utilize Their Assets to Generate Sales and Profits

Operations o Performance Ratios to Measure the

Relationship Between Sales, Costs and Expenses and How Their Changes Affect the Bottom Line

Cash Flow o Uniform Cash Analysis to Determine the

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

You'll leave with a deeper understanding of ratio and credit analyses during the underwriting process. This translates into well-organized, clearly written credit memoranda so you'll be more confident explaining trends and the financial impact on customers and prospects.

Who Should Attend:

Credit Analysts, Commercial Lenders, Consumer Lenders, Senior

Credit and Loan Officers, Loan Review Officers, Auditors, Directors, Branch Managers

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: ___________________________________________

*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: _________________________________________


Employment Records and How to Keep Them

Tuesday, November 15, 2016 12:30 PM–2:30 PM Mountain Time


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

How do you keep records?

Who has access?

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

Should you "archive" all records?

What creates "records"?

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

What records should you NOT create?

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

How do the courts view your record retention? Who Should Attend: Human Resources personnel, Managers, Accountants, and anyone employing others will benefit from this webinar. Presenter: Bob Gregg, Boardman & Clark Law Firm in Madison, Wisconsin, has been involved in employment relations for more than 30 years. He litigates employment cases, representing employers in employment contracts, discrimination cases, FLSA, FMLA and all other areas of employment law. His main emphasis is helping employers achieve enhanced productivity, creating positive work environments and resolving employment problems before they generate lawsuits. Bob has conducted over 3,000 seminars throughout the United States and authored numerous articles on practical employment issues. Bob is a member of the Society for Human Resource Management and the National Speakers Association. He is also a National Faculty Member of the American Association for Access, Equity and Diversity and served on the Board of Directors for the Department of Defense Equal Opportunity Management Institute Foundation.


Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials



Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Lending 101 Wednesday, November 16, 2016



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

Appraisals and evaluations

BSA requirements

Credit practices rule

Environmental rules

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

Federal insurance disclosures

Flood insurance

HMDA and non-HMDA monitoring

Homeownership counseling

LTV limits

Military Lending Act

Privacy

RESPA

Reg U

Risk-based-pricing

Servicemember Civil Relief Act

Service member requirements

Tenants in foreclosure

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


Name: _______________________________________

Bank: _______________________________________

Address: ____________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________









materials


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

Please Do Not fax registrations to the Wyoming Bankers Assoc

Method of Payment:



Mastercard Visa

Card Number: _________________________________

Expiration Date: ________________________________

Signature: ____________________________________


Dealing with Appraisals: Regulations and Requirements

Wednesday, November 16, 2016 9:00 AM–11:00 AM Mountain Time


Program Content: The past few years have seen significant developments in real estate appraisals and evaluation rules and regulations. Revised Interagency Guidelines and new rules under Reg Z have been issued, and we've seen additional requirements finalized recently due to Dodd-Frank. In some cases (called "flipping transactions"), lenders will even have to obtain two appraisals on the same property for one loan. Because breakdowns in appraisal practices have been partly blamed for the mortgage crisis, regulators have raised their expectations; lenders' appraisal and evaluation programs must include more elements than ever before. Some themes now emphasized by the agencies are independence of the appraiser, and evaluator, reviews, and qualifications. There are also restrictions against using AVMs (automated valuation models), BPOs (broker price opinions), and tax valuations that have upset many in the industry. Do you know the requirements? We'll provide in-depth details of the appraisal and valuation process, from both the lender and appraiser side of the game, to provide a thorough understanding of what is required and what you need. Covered Topics:

CFPB mortgage regulations under Reg Z - additional requirements for certain loan types

Regulations and Interagency Guidelines - requirements for lenders and brokers

Clarified independence requirements and their importance to examiners

The many forms of appraisals and evaluations - what can you use and when? AVMs and BPOs aren't what they used to be

Can you accept a previous appraisal? Dealing with "readdressed" and "transferred" appraisals

USPAP rules and standards - how do appraiser rules influence what lenders must do?

How to achieve appraiser independence - you've got to prove it

Anti-coercion and undue influence provisions of Reg Z - what can you NOT do (or say)?

Who Should Attend: Real estate lenders, compliance officers, auditors, underwriters, appraisers (in-house or external), closing agents, management, and anyone else involved in the real estate or residential lending process with a need to understand the current state of appraisal regulation and requirements. 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


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: ____________________________________


Opening High Risk Customer Accounts: More is Better

Thursday, November 17, 2016 12:30 PM–2:30 PM Mountain Time


Program Content: Your financial institution is full of customers who require many types of services. The BSA exam identifies many services and customers as high risk for money laundering. We will cover the high risk customers and services listed in the BSA exam manual and being to see their impact into our AML program. We will look at what makes a customer or service high risk. What extra due diligence is required when the customer is high risk? And can the high risk customers and services impact your bank's BSA risk rating. Covered Topics:

Nonresident Aliens and Foreign Individuals (NRA)

Politically Exposed Persons (PEP)

Embassy and Foreign Consulate Accounts

Nonbank Financial Institutions and MSBs

Professional Service Providers

Nongovernmental Organizations and Charities

Cash Intensive Business

Bulk Shipments of Currency

Electronic Banking

Funds Transfers

ACH

Electronic Cash

Third Party Payment Processors

Monetary Instruments Who Should Attend: BSA Officers, BSA Coordinators, Compliance Officers and Security Officers. Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of combined teaching and banking experience. Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days prior to the program. If your bank is unable to participate after registering, you can also elect to receive an OnDemand website link to see the information online 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: ____________________________________


Structure Your Sales & Service Culture Right

Thursday, November 17, 2016 9:00 AM–11:00 AM Mountain Time


Program Content: You want to excel at customer service! You should. You've invested millions in products to help your customers and stay competitive. You should have. You want to blend the two and get excellent results, engaged employees and happy customers. This webinar will help you do just that.

Cross-selling is important to your growth. And, it is important you get it right. We will explore what to do and what not to do in order to shape your sales / service culture into a thriving, customer-focused, employee engaged success!

There is nothing magical or easy to excel at how you prepare and convey the vision of your culture. It takes planning and implementation to develop core values that ensure you take care of your customers and train your employees. When you build a culture that is focused on doing the right thing by both the customer and the employee you have a win-win game plan.

Now more than ever before the regulator, the auditor, the community, your board of directors, and staff will pay close attention to the talk you claim to walk.

Covered Topics:

Plan it Right. Train it Right. Stay Devoted to Doing Right by Your Customer.

Establish the Cornerstones of Your Culture...Values and Vision

Who Will Be Accountable for Leading the Culture?

How Do You Expect Your Customer-Facing Staff to Support the Culture?

How Will You Train Your Leaders? Your Staff?

What Behaviors and Results Will You Incentivize?

Track and Audit All Results...Values, Numbers and Behaviors

Hand Your Sales Performance Plan Proudly Over to the Examiners

Show Your Community, Your Customers and Your Staff that Integrity is First...Always.

Who Should Attend: All managers, sales people, and customer service professionals.

Presenter: Honey Shelton brings the best of both worlds to her speaking and training engagements. She has 25 years of experience as a training and quality improvement consultant for banks and banking associations across the country. Her banking background includes spending three years as Executive Vice President/Chief Retail Banking Officer with First Victoria National Bank.

Nationally recognized as an outstanding speaker, over a half million bankers have participated in programs Honey has presented. Her depth of knowledge, enthusiasm, and compelling personality has left her lasting mark on InterAction Training, the firm she founded in 1983.

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

schools around the country. She is a repeat presenter for most of the state banking associations.

Honey continues in her own personal pursuit of excellence and is a member of the American Society of Training and Development (ASTD). Currently she is pursuing a self study program on Six Sigma. She has obtained certification in Reality Therapy from the William Glasser Institute as well as certification from the Training and Development Program at Texas A & M.

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: _________________________________________


Teller Compliance Issues: CTRs, Reg CC and Checks

Tuesday, November 29, 2016 9:00 AM–11:00 AM Mountain Time


Program Content: UCC 3 & 4, Regulation CC (Availability of Funds and Collection of Checks) and CTRs (Currency Transaction Reports) are the big three compliance areas for tellers which require training. These statutes and regulations form the back bone of the teller job. You will learn endorsements, stop payment orders, death issues and stale dated/postdated check laws. You will also receive annual training on placing holds and giving out new account disclosures under Regulation CC. And to cap it off we will look at the CTR and how to complete the electronic form. Covered Topics:

Types of endorsements

Simple teller rules to stop losses

Legal issues on checks: Stop payments, stale dated, postdated checks

When do we know the account holder has died

How to place holds

When to place holds

Forms, problems and more on Reg CC

CTR line by line for tellers Who Should Attend: Tellers, Head Tellers, Teller Supervisors, Training, Branch Managers and Branch Operations. Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of combined teaching and banking experience. Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days prior to the program. If your bank is unable to participate after registering, you can also elect to receive an OnDemand website link to see the information online 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: ____________________________________


Signature Cards and Account Agreements:

Understanding Account Titling, Ownership and Access

Tuesday, November 29, 2016 12:30 PM–2:30 PM Mountain Time


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

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

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

Creating consistency in your organization on how accounts are opened

Signature Card danger zones and what can go wrong

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

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

How to follow the authority trail established in the paperwork

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

How to change business accounts signers and owners

And much, much more… Who Should Attend: New accounts representatives, call service representatives, branch managers, assistant branch managers, branch administration, deposit operations, BSA CIP personnel, training, and anyone who works with or manages the new account function. Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of combined teaching and banking experience.

Cancellation Policy: Refunds will be given only for cancellations received in written form 3 business days prior to the program. If your bank is unable to participate after registering, you can also elect to receive an OnDemand website link to see the information online 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: ____________________________________


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 November 7

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

Cybersecurity Manager™ Course begins November 14

Self-paced, 10 weeks to complete.

Core Certification Price: $999.00

Register

The Certified Banking Cybersecurity Manager certification course will focus specifically on each element of the FFIEC

Cybersecurity Assessment Tool, issued June 30th, 2015. This course will build a solid foundation of understanding for the

FFIEC guidance, cyber risk management practices, improving your information security program for cyber threats, and clear

auditing expectations to address this new guidance. In addition to thoroughly exploring each element of the FFIEC guidance

we will complete detailed lab exercises that demonstrate how each process works. Students should be able to complete their

actual assessment for their institution as part of the course. This is a management level course that touches on critical

knowledge needed for c-level, CEO’s, and Information Security Officers.

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

https://certification.protectmybank.com/store/130615-cbcm-certified-banking-cybersecurity-manager?tab=1refv=WyBA

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/

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:


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 November 2016 · 2018-04-03 · Wyoming Bankers Association . Countdown to Revised HMDA Rules. November 4, 2016 9:30 - 11:30 a.m. Mountain Time . The final

Documents