Event Type : eTrain Webinars

RELEASE DATE: JULY 29, 2024
ESTIMATED DURATION: 60 MINUTES

Learners will walk away with an understanding of: Current IT security threats; how bad guys look for weaknesses to operate in ways you may have never imagined; what path’s bad guys are taking to find flaws they can manipulate; fraud statistics, security awareness tips; fraud prevention and detection tips, including internal control recommendations.

MEET THE SUBJECT MATTER EXPERT:

Jeremiah Baker is a respected authority in the cybersecurity community, recognized for his expertise, ethical approach, and dedication to helping organizations stay ahead of the ever-evolving cyber threat landscape. He remains passionate about educating and empowering individuals and organizations to take control of their cybersecurity posture and build a more secure future.

RELEASE DATE: AUGUST 5, 2024
ESTIMATED DURATION: 90 MINUTES

If the day-to-day responsibility of managing or handling the credit union’s BSA, AML, CFT and/or OFAC programs fall squarely on your shoulders, this program is specifically for you. This training is designed to pick up where staff training leaves off. We cover new developments (hello FinCEN database!), enforcement actions, guidance and alerts as well as FinCEN’s newly released analysis on identity theft SARs. Each of the specific responsibilities of your roles will be examined. We will also be addressing compliance with OFAC requirements.

This webinar is designed for anyone with direct responsibility for CTRs, SARs, BSA investigations, Risk Assessments; Audit, Compliance, and Branch managers and anyone desiring more in depth knowledge of the BSA requirements are also encouraged to view this webinar.

MEET THE PRESENTER

Mary-Lou Heighs founded Compliance Plus, Inc. to help credit unions with the always changing world of compliance.  She joined the credit union movement in 1989 and has worked as a loan officer, marketer, collector as well as almost every position within credit unions.  After working in credit unions, she transitioned to the Research and Information department for the California Credit Union League where she provided compliance assistance to all California and Nevada Credit unions.  As President of Compliance Plus, Inc. Mary-Lou now provides compliance training all over the country for various Leagues and credit unions nationwide.

RELEASE DATE: AUGUST 5, 2024
ESTIMATED DURATION: 60 MINUTES

Determining a capital target for a credit union is an important and complicated process. The capital evaluation process includes regulatory requirements which establish minimum capital requirements designed to ensure public confidence in the banking system.  Beyond that, the responsibly for a credit union’s capital planning and analysis process rests with the credit union’s board of directors and senior management.  So it is helpful to ask, what level of capital your credit union would choose absent capital regulation.  This session is designed to provide information on how capital adequacy can be determined and enhance your ability to discuss capital adequacy and capital planning with the regulator.

MEET THE SUBJECT MATTER EXPERT

The training session is conducted by Steve Farrar.  Steve spent 32 years with the National Credit Union Administration and currently provides consulting services to credit unions. During his time with NCUA, Steve served as the Vice President of Central Liquidity Facility, as Loss Risk Analysis Officer for the Office of Examination and Insurance, a Corporate Credit Union Examiner, and was a Problem Case Officer/Examiner.  After retirement from NCUA he served as the CFO for a Large NCUA Conservatorship and currently provides consulting to credit unions across the country.

RELEASE DATE: AUGUST 5, 2024
ESTIMATED DURATION: 90 MINUTES

Although Bank Secrecy Act compliance was NOT on the list of Supervisory priorities for NCUA last year, it continues to remain a hot topic for examinations. This webinar takes you through the requirements of
BSA and OFAC as they apply to frontline personnel. In this webinar we look at the responsibilities from account opening to reporting transactions and suspicious activity. It provides lists of red flags for frontline positions.

This webinar is geared to frontline staff, call center employees, branch management,  audit and compliance.

MEET THE PRESENTER

Mary-Lou Heighs founded Compliance Plus, Inc. to help credit unions with the always changing world of compliance.  She joined the credit union movement in 1989 and has worked as a loan officer, marketer, collector as well as almost every position within credit unions.  After working in credit unions, she transitioned to the Research and Information department for the California Credit Union League where she provided compliance assistance to all California and Nevada Credit unions.  As President of Compliance Plus, Inc. Mary-Lou now provides compliance training all over the country for various Leagues and credit unions nationwide.

RELEASE DATE: AUGUST 5, 2024
ESTIMATED DURATION: 60 MINUTES

Although probably not at the top of your priority list as a credit union volunteer, the requirements of the Bank Secrecy Act must be taken very seriously by the credit union and staff. The Board of Directors is ultimately responsible for the Bank Secrecy Act and Office of Foreign Assets Control  (OFAC) programs, the Supervisory Committee must ensure that the policies set by the Board are being followed. This program is tailored to meet regulator expectations regarding the role of volunteers with these mandatory programs the credit union is required to follow. In this program you will learn about the need to create a “Culture of Compliance” from the top down, understand the need for proper designation of a qualified compliance officer, and the importance of providing adequate resources.

This webinar was created for all credit union volunteers: Board, Credit Committee, Supervisory Committee;  Credit union support staff who do not handle member transactions may also benefit from the information presented here.

MEET THE PRESENTER

Mary-Lou Heighs founded Compliance Plus, Inc. to help credit unions with the always changing world of compliance.  She joined the credit union movement in 1989 and has worked as a loan officer, marketer, collector as well as almost every position within credit unions.  After working in credit unions, she transitioned to the Research and Information department for the California Credit Union League where she provided compliance assistance to all California and Nevada Credit unions.  As President of Compliance Plus, Inc. Mary-Lou now provides compliance training all over the country for various Leagues and credit unions nationwide.

RELEASE DATE: AUGUST 5, 2024
ESTIMATED DURATION: 90 MINUTES

Are you aware of the ways lending can be used to facilitate money laundering? If you thought the Bank Secrecy Act was limited to cash transactions, this webinar provides all the information you need to fulfill your BSA and OFAC duties as a loan professional. Even if you are aware of different money laundering and suspicious activity scenarios to look out for, this webinar will help keep you informed and up to date. With over 62 reasons for filing a Suspicious Activity Report, you know that at least several of them involve auto lending, credit cards, real estate lending. Because those in the lending or underwriting department often have more time with the applicant/consumer, they are uniquely positioned to spot unusual or suspicious activity. Seasoned veterans and even newbies have been known to identify irregularities during the loan process.

Attendees should include loan officers, loan managers, underwriters, loan support staff, branch management, audit and compliance.

MEET THE PRESENTER

Mary-Lou Heighs founded Compliance Plus, Inc. to help credit unions with the always changing world of compliance.  She joined the credit union movement in 1989 and has worked as a loan officer, marketer, collector as well as almost every position within credit unions.  After working in credit unions, she transitioned to the Research and Information department for the California Credit Union League where she provided compliance assistance to all California and Nevada Credit unions.  As President of Compliance Plus, Inc. Mary-Lou now provides compliance training all over the country for various Leagues and credit unions nationwide.

RELEASE DATE: AUGUST 12, 2024
ESTIMATED DURATION: 60 MINUTES

Every credit union needs to identify the risks they face, and implement internal controls to mitigate losses. But where does the Board of Directors fit into the process? We will discuss the risk management process credit unions must follow, and help you gain an understanding of the role the Board must play.

MEET THE SUBJECT MATTER EXPERT

Susan Landauer is a certified public accountant, with over 35 years of experience in the accounting and the financial services industry, most recently focusing for 20 years on forensic investigations. These forensic investigations include the tracing of hidden assets, net worth evaluations, embezzlements, and marriage and partnership dissolutions. She has qualified and testified as an expert witness in both federal and local courts. 

 Susan began her career with a big four accounting firm. She then worked for seven years at one of the nation’s top ten banking institutions, where she functioned as the Vice President and Financial Controller of the Trust subsidiaries and Private Banking department. Susan was then the Senior Vice President of the New York State Credit Union League.  

RELEASE DATE: AUGUST 19, 2024
ESTIMATED DURATION: 60 MINUTES

Expanding your credit union’s field of membership by adding groups can indeed be a strategic move. During this webinar we will review:

1. Determine Your Charter Type: This foundational step sets the stage for your expansion. Understanding whether your credit union has a single common bond, multiple common bond, or community charter is essential. Each type has different implications for membership expansion.
2. Convert to a Multiple Common Bond: If you’re currently operating under a single common bond and want to broaden your membership base, converting to a multiple common bond charter might be necessary. This involves regulatory procedures and compliance measures, so seeking guidance from legal and regulatory experts is crucial.
3. Identify Potential Groups: Once your charter is aligned with your expansion goals, scout for potential groups that could join your credit union. Look for organizations whose members would benefit from your services. This could include employers, associations, clubs, or other community groups.
4. Reach Out to Potential Groups: Initiate contact with these potential groups to discuss the benefits of partnership with your credit union. Highlight what sets your institution apart, such as competitive rates, personalized service, and community involvement. Building relationships is key at this stage.
5. Obtain Approval: After securing agreements with potential groups, seek approval from the regulatory authority to add them to your field of membership. This involves demonstrating the eligibility of the group’s members and ensuring compliance with regulatory standards.
6. Onboard New Members: Once approval is granted, facilitate a smooth onboarding process for the new members. Provide them with information about your products and services, and ensure they feel welcomed into the credit union community.

By following these steps diligently, you can expand your credit union’s field of membership strategically, serving more members and fostering growth for your institution.

MEET THE SUBJECT MATTER EXPERT:

With 34+ years with NCUA, Rick Mumm has worked as a Consumer Access Program Officer, Insurance Analyst, Supervision Analyst, Problem Case Officer, and Principal Examiner. He started at NCUA as a field examiner in Seattle, Washington. From there, Rick transferred to the then Region VI office in Concord, California as a Senior Supervision Analyst and then over to the Division of Insurance as a Senior Insurance Analyst. Rick transferred to Region V in Phoenix, Arizona when NCUA downsized from 6 to 5 regions. When NCUA merged all the Region Division of Insurances into CURE, he moved with the office after a stint in Special Actions. Rick spent 26 years specializing at NCUA in areas including field of membership, conversions, bylaws, mergers, and share insurance. While in Insurance, he saw many changes in field of membership policy and its implementation. He made several presentations to the NCUA Board and his creative solutions to solve credit union field of membership issues were incorporated into the Chartering and Field of Membership Manual. Today, he assists credit unions with all their field of membership, bylaw, or share insurance needs.

RELEASE DATE: AUGUST 26, 2024
ESTIMATED DURATION: 60 MINUTES

In this session, we’ll delve into the critical role of AI data in shaping the future of credit unions, focusing on the use of predictive analytics to transform raw data into actionable insights. You’ll learn about the latest trends in AI and data analytics, with a spotlight on practical use cases demonstrating how credit unions can leverage their existing data to predict member needs, enhance product development, and drive loan or member growth. Whether you’re looking to refine your marketing strategies, enhance acquisition efforts, or boost engagement, this session will provide the tools and insights necessary for success in an increasingly data-driven world. Don’t miss this opportunity to redefine the way your credit union utilizes AI data for a competitive edge in your marketplace.

MEET THE SUBJECT MATTER EXPERT

Hilary A. Reed is a credit union industry thought leader, speaker, and expert in the fields of strategic marketing, branding, automation, and AI/data analytics, and has been involved in the credit union movement for nearly two decades. Prior to co-founding EmpowerFi, Reed served as SVP of Marketing for a credit union in the Philadelphia area for over a decade, and in 2015 was honored for her commitment to the field of marketing and was named the CUNA Marketing Professional of the Year. Drawing on decades of industry experience, Hilary and her firm help make marketing and data more actionable, accessible, and understandable – and personally, she thrives on helping organizations and their leaders embrace change, think bigger, and achieve organic growth by way of innovative thinking.

RELEASE DATE: AUGUST 26, 2024
ESTIMATED DURATION: 60 MINUTES

In this comprehensive session, we will outline a strategic blueprint to guide your credit union through the nuances of leveraging AI technologies to their fullest potential. By the end of this session, you will have a clear roadmap for building and implementing a data strategy that not only prepares your credit union for the AI revolution but also sets the stage for sustained growth and success in the digital age. Whether you’re just starting your AI journey or looking to refine your existing strategy, this webinar will equip you with the insights and tools needed to thrive in the rapidly evolving financial landscape.

MEET THE SUBJECT MATTER EXPERT

Hilary A. Reed is a credit union industry thought leader, speaker, and expert in the fields of strategic marketing, branding, automation, and AI/data analytics, and has been involved in the credit union movement for nearly two decades. Prior to co-founding EmpowerFi, Reed served as SVP of Marketing for a credit union in the Philadelphia area for over a decade, and in 2015 was honored for her commitment to the field of marketing and was named the CUNA Marketing Professional of the Year. Drawing on decades of industry experience, Hilary and her firm help make marketing and data more actionable, accessible, and understandable – and personally, she thrives on helping organizations and their leaders embrace change, think bigger, and achieve organic growth by way of innovative thinking.

RELEASE DATE:  SEPTEMBER 9, 2024
ESTIMATED DURATION: 60 MINUTES

The federal government has made it very clear it wants to increase its collections efforts.   Add to that the rising delinquency levels and we have a recipe for problems.   Creditors are always on the hunt for additional recoveries and they do not take kindly to being ignored.  Your credit union needs to be prepared and understand what to do when you receive a garnishment or levy requiring you to hand over a member’s funds. Understanding the rules and avoiding common landmines will help reduce the risk and potential liability of an improper response.

Note:  This program will discuss only federal levy and general garnishment rules and procedures and is intended for credit unions from all states.

MEET THE SUBJECT MATTER EXPERT

Attorney, author, consultant and nationally recognized trainer, David A. Reed is a partner in the law firm of Reed and Jolly, PLLC.  Through Reed and Jolly, Mr. Reed provides guidance to credit unions concerning a variety of matters including the establishment and revision of policies and procedures, organizational compliance, collections, security, contractual agreements, regulatory matters and corporate governance. In addition to his legal expertise, Mr. Reed is a Certified Fraud Examiner and Chairman of a Supervisory Committee.

A former trial attorney and Vice President and General Counsel of Apple Federal Credit Union, Mr. Reed is particularly noted in the areas of credit union operations, governance, security, bankruptcy and collections.  He has been selected to train federal and state field examination staff on numerous issues including BSA, Field of Membership, ID Theft Red Flags, S.A.F.E Act, Third Party Contract Management, Cybersecurity and Bankruptcy.

RELEASE DATE:  SEPTEMBER 9, 2024
ESTIMATED DURATION: 60 MINUTES

Do you have to answer that subpoena?    The answer is clearly…..maybe!  Almost every privacy law, rule and regulation require us to protect our members’ financial data, but there are specific exceptions.  There are very specific rules governing your response to valid subpoenas and even your ability to seek recovery of expenses.  Your credit union must understand the proper method to assess and timely respond to federal subpoenas to maintain member privacy and avoid potential liability.

Note:  This program will discuss only federal subpoena rules and general procedures and is intended for credit unions from all states.

MEET THE SUBJECT MATTER EXPERT

Attorney, author, consultant and nationally recognized trainer, David A. Reed is a partner in the law firm of Reed and Jolly, PLLC.  Through Reed and Jolly, Mr. Reed provides guidance to credit unions concerning a variety of matters including the establishment and revision of policies and procedures, organizational compliance, collections, security, contractual agreements, regulatory matters and corporate governance. In addition to his legal expertise, Mr. Reed is a Certified Fraud Examiner and Chairman of a Supervisory Committee.

A former trial attorney and Vice President and General Counsel of Apple Federal Credit Union, Mr. Reed is particularly noted in the areas of credit union operations, governance, security, bankruptcy and collections.  He has been selected to train federal and state field examination staff on numerous issues including BSA, Field of Membership, ID Theft Red Flags, S.A.F.E Act, Third Party Contract Management, Cybersecurity and Bankruptcy.

RELEASE DATE: SEPTEMBER 16, 2024
ESTIMATED DURATION: 60 MINUTES

Regulation Z protects people when they use consumer credit.

Consumer credit includes but is not limited to:

• Mortgage loans and Reverse mortgages
• Home equity lines of credit
• Open-end credit
• Installment loans

The regulation covers topics such as:

• Annual percentage rates
• Credit card disclosures
• Periodic statements
• Mortgage loan servicing and appraisal requirements

While Regulation Z is not a new rule, it still proves to be very complex to understand and follow. Join Crystal Streeper with ViClarity, to review our regulators updates, problematic items within the rule, and a breakdown of understanding the regulations’ purpose.  Register today!

MEET THE SUBJECT MATTER EXPERT:

Crystal Sagum has over 14 years of experience in the financial industry, specializing in credit union operations, lending, and compliance. Currently a Compliance officer with ViClarity, Crystal provides state and regulatory compliance assistance and training to our affiliated credit union leagues and partners in California/Nevada along with various credit unions nationwide. At ViClarity, we support credit unions with a variety of services and solutions that tackle governance, risk, and compliance management, so you can stay focused on your mission to improve the financial wellbeing of your members and communities.

RELEASE DATE:  SEPTEMBER 30, 2024
ESTIMATED DURATION: 60 MINUTES

Financial thieves are always looking for cracks in today’s payment systems. Some typical schemes include phishing, spoofing, and identity theft. This webinar will help you develop effective anti-fraud policies and procedures to mitigate risk and protect your financial institution.

MEET THE SUBJECT MATTER EXPERT:

Patty Presta, AAP, NCP, Vice President of Professional Development Events – Patty Presta, AAP, NCP is Vice President of Professional Development Events at WesPay and has conducted ACH training since 1994. Her responsibilities include training financial institutions through live workshops, webinars, and webcasts, as well as consulting on such topics as ACH Origination, Risk Management, Elder Financial Abuse, Human Trafficking and other electronic payment-related issues. Patty has taught at many industry conferences including NACHA’s Payments Conferences and Payments Institute.

As an innovative payments association, Wespay is dedicated to guiding members through the ever-evolving payments industry with education, information, advisory and advocacy services. Our dedicated team partners with financial institutions, fintech companies, third-party payment providers and organizations that supply payment services related to operations and compliance, risk management and fraud, as well as payments strategy and planning.

As a Direct Member of Nacha, Wespay is a specially recognized and licensed provider of ACH education, publications, and support. Wespay is directly engaged in the Nacha rulemaking process, the Accredited ACH Professional (AAP) Program and the Accredited Payments Risk Professional (APRP) Program. Additionally, Wespay is partnered with ECCHO, as a designated Educational Partner for the National Check Professional (NCP) accreditation program.

RELEASE DATE: OCTOBER 7, 2024
ESTIMATED DURATION: 60 MINUTES

Stop that check! (or ACH or debit card transaction) What is the credit union’s responsibility for addressing requests to place a stop payment? Who has the authority to place a stop payment? Does it make a difference if it is a cashier’s or teller’s check?  What is the credit union’s liability if it fails to honor a properly placed stop? These are just some of the issues we tackle in this webinar, along with the timing requirements, return reasons and many other aspects related to stopping payment on thesder items.

This webinar is intended for anyone who deals with stop payment requests : tellers, member serve representatives, branch managers; call center representatives, back-office employees, audit and compliance.

MEET THE PRESENTER

Mary-Lou Heighs founded Compliance Plus, Inc. to help credit unions with the always changing world of compliance.  She joined the credit union movement in 1989 and has worked as a loan officer, marketer, collector as well as almost every position within credit unions.  After working in credit unions, she transitioned to the Research and Information department for the California Credit Union League where she provided compliance assistance to all California and Nevada Credit unions.  As President of Compliance Plus, Inc. Mary-Lou now provides compliance training all over the country for various Leagues and credit unions nationwide.

RELEASE DATE: NOVEMBER 4, 2024
ESTIMATED DURATION: 60 MINUTES

The purpose of Regulation E is to protect consumers when they use electronic fund and remittance transfers.

Electronic fund and remittance transfers include but are not limited to:

• ATMs
• Direct Deposit
• Gift cards
• Telephone transfers

The regulation covers topics such as:

• Disclosure of fees and limits
• Error correction resolution procedures
• Liability
• Receipts

Join ViClarity’s Jennifer Adkisson, for a training session on Regulation E, where she will guide you through essential aspects of the Electronic Fund Transfer Act. Discover the scope of covered transactions and consumer rights, ensuring a solid grasp of disclosure requirements and error resolution procedures. Stay up-to-date with recent changes and amendments to this crucial regulation. Geared towards compliance officers, operations managers, and frontline team members, this training provides practical insights and tools to navigate the complexities of electronic fund transfers effectively. Elevate your understanding of Regulation E, safeguard consumer rights, and enhance your institution’s compliance practices. Register today!

RELEASE DATE: NOVEMBER 18, 2024
ESTIMATED DURATION: 60 MINUTES

The goal of this course is to help Credit Union staff and security personnel to consider ways to prevent robberies at their facilities as well as to keep them and the members safe from traumatizing experiences caused by a robbery.

Safety Measures 

From 2003 to the present, Credit Union robberies have been on the decline. Law enforcement credits it to there being better safety measures in place. Things like robbery deterrence signs, security cameras, panic buttons and silent alarms, bullet-resistant glass, and barriers. Safety Measures that will be address include:

• Visibility & Lighting
• Secure Entry/Exit Points
• Cash Management
• Regular Security Audits

Training and Preparation

Training and preparation are valuable for deterrence. Developing and regularly rehearsing robbery response procedures ensure that staff members know what to do in case of a robbery, including how to activate alarms, provide descriptions of suspects, and help law enforcement. Get your repetitions in before you need to use them. In this section we will discuss:

• Listen with your eyes
• 40 Bits vs 20 Million Bits of Information
• Complying With Robbers’ Demands
• Activate Emergency Protocols
• Collaborate with Law Enforcement
• As We Train So Shall We Fight

Techniques to Prevent a Robbery

Prevention techniques are not limited to physical security measures. We will discuss techniques you can practice to prevent a robbery once the robber is in the credit union. In this section we will discuss:

• 2022 Partial Bank/ Credit Union Stats
• Understanding Human Nature Response
• Become Likeable
• Community Engagement
• Conversation not Interrogation
• Body Language

MEET THE SUBJECT MATTER EXPERT

Troy Smith is a Negotiation Instructor and Coach at The Black Swan Group, he is a retired San Antonio Police Department officer who spent 23 years with the department, including 22 years in specialized units—such as the SWAT/Crisis Negotiators team and the U.S. Marshals’ Fugitive Task Force. During his career, Troy was involved in more than 300 hostage negotiations, including 270 as a lead negotiator. He never lost any of them.