www.bankersedge.com

877-999-EDGE(3343)info@bankersedge.
comBankersEdgeistheonlinetrainingpartnerofchoiceforthefinancialservicesindustry.
Sinceourinceptionin1997,wehaveearnedconsiderablecustomerloyaltyandanunmatchedreputationforaccuratecourses,exceptionallyresponsiveservice,andtrainingtechnologythatinspireslearning.
Comprisedofover300regulatorycompliance,financialskillsandprofessionaldevelopmentcourses,ourlearninglibraryfeaturestargetedtracksforbankers,tellers,trainersandmanagers;andAML,BSA,CISAandTILAcurriculums.
WearealsohappytointroduceourenhancedMortgageLendingseries,whichispopulatedfromcontentapprovedbytheNationwideMortgageLicensingSystem(NMLS)andbroughttoyoubyourpartnerorganization,TrainingPro.
GiveyourmortgagelendingprofessionalsaccesstocontentdeemedsignificantandrelevantbytheNMLSthroughyourpartnershipwithBankersEdge.
Throughourparentcompany,OnCourseLearning,wealsoofferaccesstomorethan14,000coursesonregulatoryessentials,andinsurance,realestateandhomeinspectorlicensure.
Weinviteyoutoexploreourofferingsinsidethiscataloganddiscoverworld-classonlinelearningthat'seasytouseandimplement.
ThankyouforyourinterestinBankersEdge.
Welookforwardtopartneringwithyou.
3LearningTechnologyArtisan2.
05CAT6MARS7Symphony8SystemRequirements9CoursesnRegulatoryCompliance11LendingCompliance12DepositCompliance16TransactionCompliance19nFinancialSkills22CommercialLending23ConsumerLending25RetirementManagement27RetailBanking29nProfessionalSkills33Leadership34DiversityandInclusion36CustomerService39Sales41ProfessionalDevelopmentwithMultimedia43nMortgageLending51FederalMortgageLaws52GeneralMortgageKnowledge56MortgageLoanOriginationActivities58Ethics61AdditionalMortgageCourses61nICBContinuingEducation62RecommendedCurriculumsnByRole65MortgageLenders66ProfessionalTellers67Managers&Supervisors68PersonalBankers69GeneralBankers&Trainers70nByInterestArea71Anti-MoneyLaundering(AML)72BankSecrecyAct(BSA)79CustomerInformationSecurityAwareness(CISA)86nPackagedTrainingSolutions89PackageComparisonAt-a-Glance90Compliance91Standard96Premium103ProfessionalDevelopmentwithMultimedia112MortgageLending115nCustomTrainingSolutions117IndexTableofContents4CourseCatalogforBanksLearningTechnologyYouneedeasy-to-implementlearningtechnologythatlessenstheburdenonyourbudgetandyourITdepartment.
Weprovidehostedlearningtechnologysolutionsforawidevarietyofbusinessneeds—fromfeature-richcourseauthoringandreportingtools,topowerfulLMSsolutions,BankersEdgedelivers.
Achieveyourbank'slearningobjectives.
Getmoremileageoutofyourtrainingbudget.
HelpyourinstructionaldesignersbringyourcorporateuniversityprogramtolifewithBankersEdgelearningtechnology.
5Buildbettercourses—faster.
Studentsaremoreengaged,motivatedlearnerswhenmetwithaclean,visuallyappealingtrainingenvironment.
Buildingonthisprinciple,ArtisanInternet-basedcontentmanagementtransformsthetaskoftrainingcoursecreationintoacanvaslimitedonlybyyourimagination.
Incrediblypowerfulyetremarkablyeasytouse,withitspaletteofinnovativefeatures,Artisanenablesyoutochangefonts,applynewcolorschemesandimportlearningobjectsinminutes.
ToseehowArtisancanhelpyoucreatearichertrainingexperiencethatinspireslearninganddeliversgreaterinformationretention,call877-999-EDGE(3343).
Develop,editanddeployonlinetrainingeasily.
nStreamlinedevelopmentwithcourse-widespell-check,page-to-pageeditingandkeyword-searchfunctionality.
nChoosefromabroadrangeofpagetemplates,questiontypesandscoringparameters—includinganewtest-outfeature.
nImportPowerPointpresentations,MicrosoftWorddocumentsandAdobePDFsintoyourcoursesforanytimestudentaccess.
nNewadministrativefeaturestorapidlydeployyourcoursestoSymphony,MARSoranAICC-orSCORM-compatibleLMS.
nLearnersmayleaveanin-progresscoursebysavingtheirplacewithbookmarkfunctionality.
nMotivatelearnerswithvisuallystimulating,Flash-basedinteractionsthathelpkeepstudentsengagedinlearningthroughouteachcourse.
Create,manageandsharecontentacrossmultipletrainingcourses.
nImportexistingArtisancoursecontenttoenhancethedevelopmentprocess.
nEasy-to-usedevelopmenttoolsforusersatallskilllevels—HTMLeditingfeatureforadvancedusers,orenablelesstech-savvyusersinyourorganizationtobuildtrainingcourseswitheasethankstoasimplifiedtemplate-basededitingenvironment.
Reducereworkwithcourse-previewfunctionalitydrivenbyaWYSIWYGHTMLeditor.
nFlexibleinterfaceforindividualcourse-pagepreview;orsimulatetheentirestudentexperiencewithacompletepreviewbeforelaunchingthecoursetoanLMS.
Artisan2.
06CourseCatalogforBanksCreatenewcourses.
Modifyexistingmodules.
Draganddrop.
Repeat.
nDevelopcoursesinminutes—nothoursCreatenewcoursesfromscratch,oreditcontentinBankersEdgeoff-the-shelftrainingproducts.
nTrainnewusersinunderanhourJump-startyourinstructionaldesignprocesswithpre-builttemplatesandasimplifiedinterfacethatenablesinstructionaldesignerstogetuptospeedquickly.
Storeandreusequestionsinfuturecoursesforfasterdeployment.
nPopulatepre-builttemplateswithyourorganization'scontentBrowsetheincludedlibraryofstaticgraphicsandchoosevisualstoenhancecourses,orincorporateyourcompany'sbrandelements.
nPreviewchangestocoursecontentinreal-timeSavetimebycheckingcourseeditsduringdevelopment,insteadofhavingtostartoverfromthebeginningduetoanerror.
nEngagetech-savvylearnersEnhancecoursesbyaddingactivities,graphics,orexercisesdesignedinHTMLorAdobeFlash.
nEncourageskill-buildingandpromoteprofessionalgrowthEmpoweremployeesacrossalllevelsofyourorganizationtodesigncourses—regardlessoftheirtechnicalexpertise.
Gettinguptospeedondifferenttypesofcustomauthoringsoftwareisoftenaproductionroadblockforinstructionaldesigners.
Frequently,theyhavetonavigatethroughtutorialsonfeaturesirrelevanttotheircourse-designgoals,justtolearnhowtousethefunctionalitytheyneed.
WiththeBankersEdgeCourseAuthoringTool(CAT),instructionaldesignersacrossalllevelsofexperienceareproductiveimmediately.
CAT7MARSContinuouslyinnovatingourproductstobettersolveyourspecificbusinesschallengesisonewayinwhichwedemonstrateoursteadfastcommitmenttoyou.
Newlyrefinedforgreaterusability,MARS(ManagementAdministrationandReportingSystem)deliversafresh,stimulatinglearningexperiencethatreflectsourtechnologyinvestment.
MARSprovidesthereportingtoolsyouneedtotracktrainingandreportresultsviaonecentralpointofadministration.
ToseehowMARScanhelpmakeyourjobeasier,call877-999-EDGE(3343)andrequestademonstration.
Savetimewithstreamlinedtrainingadministration.
nStreamlineadministrativeprocesses.
–Updateemployeerecordsinminutes.
–Sendmessagestailoredtospecificaudiencesviabulke-mail.
–Synchronizedataautomaticallyandmakechangeseffortlessly.
nEliminateredundanttraining.
–Createjob-specificcurriculaandclassifycoursesasrequiredorelective,soemployeestakeonlythecoursestheyneed.
nTrackresultsautomatically.
–Archiveresultsautomaticallyandretaindataforfuturereporting.
nFlexibleadministrationandenterprisereporting.
–ImportHRISinformationandexportdatatoyourorganization'slegacyLMSsystemforasingle-sourcetrainingsolution.
nShareROIdatawithstakeholderseasily.
–Measuretheimpactofyourcorporatelearningprogramwithon-demandperformancedata.
–Produceabroadrangeofstandardreports,orcreatetruecustomreportsusingMicrosoftSQLServerReportingServices.
8CourseCatalogforBanksSymphonyOrchestratelearningmanagement—seamlessly.
nReducetrainingtimeandcosts.
Mergee-learningwithinstructor-ledclasses.
nIncreasecustomerandemployeesatisfaction.
Helpemployeesbecomemoreproficientintheirroles.
nAdministercoursesandcontentfromanycompliantauthoringtool.
StreamlineclassroomandInternet-basedtraining,dataadministrationandonlinecollaboration.
nCommunicatecompliancegapstodecision-makers.
Referenceat-a-glanceoverviewsforsimplifiedreportingnEngageemployeesinlearningwithmoremeaningfulcourses.
Developmoremeaningfulcoursesbytailoringtrainingtospecificjobroles,learningstylesandorganizationalobjectives.
nEnableself-drivencalendaring,schedulingandregistration.
Empoweremployeestomanagetheirowntrainingprograms,andreducetrainers'administrativeburden.
nAutomatethetrainingcommunicationflowScheduleautomatednotificationstokeepyouremployeesup-to-datewiththeirtrainingschedule.
Technology.
Schedulingandstaffing.
Datatrackingandreporting.
Foracorporatetrainingprogramtobeeffective,alloftheseelementsmustfunctioninsync.
AhostedWeb-basedlearningmanagementsystem(LMS),Symphonyfeaturesapowerfulpre-builtlibraryanddata-integrationfunctionalitythatworkbehindthescenesinconcertwithyourexistingenterprisetechnology.
WithSymphony,administratorsmaytailorcoursedeliverytostudents'individuallearningstyles,schedulefacilities,planprogramsandaccessreportinginformation—inoneconvenientplace.
DiscoverhowSymphonybringsanewdimensiontoe-learningefficiency;call877-999-EDGE(3343)andrequestademonstration.
9LearningTechnologynMicrosoftWindowsXPorMicrosoftWindowsVista,MicrosoftWindows7,MicrosoftWindows8nMicrosoftWindowsInternetExplorer7,MicrosoftWindows,InternetExplorer8,WindowsInternetExplorer9,WindowsInternetExplorer10,WindowsInternetExplorer11,MozillaFirefox3.
6andlater,orGoogleChromeInternetbrowserversion15andlaternAdobeFlashPlayerversion9orgreaternMinimum1024x768pixelscreenresolution(1280x800pixelscreenresolutionisrecommended)nMinimum512MBavailableRAMnSupporteddomainname:*.
betraining.
comforhttponport80andhttpsonport443nJavaScript,CascadingStyleSheetsandcookiesmustallbeenabledWorkstationandSecurity—SystemRequirements10CourseCatalogforBanksBuildingacomprehensivetrainingprogramthatmeetsemployees'needsthroughouteverystageoftheircareerrequiresequalpartsartandscience.
Ensuringyourorganizationiscontinuallyalignedwithindustrystandardsandbestpracticesisonlyonepartoftheequation.
Youneedtostriketheperfectbalancebetweenprovidingthecorecoursesemployeesneed,whilealsoofferingprofessionaldevelopmentopportunitiesthatwillhelpyourinstitutionattractandretaintoptalent.
Astheindustry'sleadingproviderofonlinelearningsolutions,BankersEdgehasover15yearsofexperienceworkingwiththousandsofcustomersinthefinancialservicesindustry.
Exploreourcoursesinsidethiscatalog,anddiscoverengagingtrainingthatimprovesemployees'competence,drivessalesandincreasesemployeeandcustomersatisfaction.
Courses11REGULATORYCOMPLIANCELENDINGCOMPLIANCEREGULATORYCOMPLIANCEDEPOSITCOMPLIANCEREGULATORYCOMPLIANCETRANSACTIONCOMPLIANCEREGULATORYCOMPLIANCE12CourseCatalogforBanksIntoday'srapidlyevolvingeconomy,lendersmusthaveexpertknowledgeofthelatestfederalregulationchangesthatdeterminebanks',creditunions'andotherfinancialinstitutions'requiredpractices.
TheBankersEdgeLendingComplianceseriesfocusesonfundamentalstobetterprepareyourorganizationforconductinglendingactivitiescompliantwiththisgovernance.
Gainabetterunderstandingofcreditcardregulations,aswellastheFairLendingActandConsumerLeasingActconcepts,terminologyandrequirements.
LENDINGCOMPLIANCEREGULATORYCOMPLIANCECommercialComplianceOverview120MIN.
Financialinstitutionsneedtocomplywithcertainlendinglaws.
ExploretheEqualCreditOpportunityAct,RegulationO,theHomeMortgageDisclosureActandotherregulationsrelevanttoyourrole.
CommunityReinvestmentActforIntermediateInstitutions60MIN.
DiscoverwhytheCRAisimportanttointermediateinstitutionsandyourresponsibilitiesunderit.
AlsolearnabouttheCRAevaluationandratingsystem,andrelatedrecordkeeping,reportinganddisclosurerequirements.
CommunityReinvestmentActforLargeInstitutions60MIN.
Gearedtolargeinstitutions,uncoveryourresponsibilitiesundertheCRA,andexploreitsrelatedevaluationandratingsystem,recordkeeping,reportinganddisclosurerequirements.
CommunityReinvestmentActforSmallInstitutions60MIN.
GainabetterunderstandingofwhytheCRAisimportanttosmallinstitutions,andlearnaboutitsrelatedevaluationandratingsystem,recordkeeping,reportinganddisclosurerequirements.
ConsumerInstallmentLoanComplianceOverview90MIN.
Gainabetterunderstandingofconsumerinstallmentloansandtherulesregulatingthem.
Learnabouttherelationshipbetweenthelawsgoverningtheseloansandyourinstitution'sresponsibilitywhenhandlingsuchloanapplications.
ConsumerLeasingAct—RegulationM60MIN.
Getacquaintedwiththeconcepts,termsandrequirementsoftheConsumerLeasingActasimplementedbyRegulationMoftheTruthinLendingAct.
EqualCreditOpportunityAct—RegulationB60MIN.
LearnabouttherecordkeepingandreportingrequirementsyourinstitutionmustadheretoinordertomaintaincompliancewiththeEqualCreditOpportunityActandRegulationB.
"BankersEdgeserviceistop-notch.
.
.
andtheresponsetimefromcustomercareisTHEBEST!
WhenIhaveaquestion,Ialwaysreceiveareplywithinminutes.
"—CustomerSatisfactionSurvey13FairandAccurateCreditTransactionsAct90MIN.
(FACTA)OverviewFindouthowcustomers'personalcredit,personalandinsuranceinformationshouldbemanagedaccordingtoFACTAandFCRArequirements.
FairCreditReportingAct(FCRA)60MIN.
LearnaboutFCRAconsumer-informationrequirements,andreviewbestpracticesforproviding,obtainingandusingconsumers'creditdata.
FairDebtCollectionPracticesAct(FDCPA)60MIN.
ExploreFDCPArulesforhowdebtcollectionagenciesmaycommunicatewithconsumers.
FairHousingAct90MIN.
GainadeeperunderstandingofthelendingprohibitionsandadvertisingrequirementsyourinstitutionmustobserveinaccordancewiththeFHA.
FairLendingOverview90MIN.
Becomeacquaintedwithbasicfairlendingconcepts,includingthelawsandactsthatcomprisethefairlendinglawsandrelatedpenaltiesfornoncompliance.
FederalRegulationofRealEstateAppraisals60MIN.
LearnthenecessaryproceduresyourinstitutionneedstofollowtoensurecompliancewiththeFederalRegulationofRealEstateAppraisalsandthe1994Guidelines.
FloodInsurance60MIN.
ExaminetheunderlyingpurposeandconditionsoftheNationalFloodInsuranceProgramandhowitsstatutesaffectfloodinsurancerequirements.
Gainabetterunderstandingofhowfloodinsurancelawsareimplementedwhenyourinstitutionmakes,increases,extends,orrenewsaloansecuredbypropertylocatedinaSpecialFloodHazardArea.
HomeMortgageDisclosureAct—RegulationC60MIN.
Gettoknowthebasicrecordkeeping,reportinganddisclosurerequirementsundertheHMDAandRegulationC.
IntroductiontoCreditCardRegulations60MIN.
Thelawsandregulationsthatgovernthefinancialservicesindustrytodaywereenactedinresponsetoeconomicandbankingcrises,publicpressureandthedevelopmentofnewproductsandtechnologies.
Gainabetterunderstandingoffederalcreditcardlawsandregulations.
LoanstoExecutiveOfficers—RegulationO60MIN.
Learnaboutpracticesrelatedtoextendingcredittoinsiders,includingindividualandaggregatelendinglimits,recordkeepingandreportingrequirements,rulesconcerningextensionsofcreditandcivilpenaltiesforviolation.
RaisingtheBar:AGuidetothe2014CFPBRules60MIN.
Deemedsomeofthemostsignificantchangestothemortgageregulatorylandscapeinhistory,thenewCFPBmortgageservicingrulesgreatlyvaryinscopeandapplytomanymortgageareas.
Thiscoursereviewstherulesindetail,summarizesallofthechangeseachrespectivelyimplementsandoffersdiscussionscenariostohelpstudentsbetterunderstandhowthenewrulesapplyinreal-worldsituations.
RealEstateSettlementProceduresAct(RESPA)—RegulationX60MIN.
Designedtoeliminateillegalkickbacksandreferralfees,RESPAandRegulationXoutlinespecificservicingregulationsandescrowaccountpracticesyourinstitutionmustadhereto.
14CourseCatalogforBanksResidentialMortgageA-B-C—MortgageRegulations90MIN.
Exploretheregulationsgoverningtheresidentialmortgagelendingprocess,includingfairlendingcompliance,disclosuresandterminology,customercreditreportsandotherfactorsthataffectconsumersandthecommunitiesinwhichtheylive.
TheS.
A.
F.
E.
Act30MIN.
LearnabouttheregulationsgoverningbanksundertheSecureandFairEnforcementforMortgageLicensingActof2008(S.
A.
F.
E.
Act)—specificallymortgageloanoriginators'andtheiremployers'requirementstoregisterwiththefederalgovernmentannually.
TILA—BeyondBasics—CertainHomeMortgageLoans30MIN.
(Higher-PriceMortgageLoans,ReverseMortgages,MDIA,Rescission,HOEPA)Coursematerialprovidesbriefbackgroundonthebasicsoftypicalconsumer-purpose,closed-endcreditrequirements,andfocusesonspecificsofhomesecuredclosed-endcreditthatareeitherrecentrequirements,or,arehigh-risk.
CoverageincludesMDIA,rescission,HOEPA,HPML,andotherspecificsofhome-secured,closed-endcredit.
TILA—Closed-EndResidentialRealEstateLoans30MIN.
Coursematerialprovidesbackgroundonthebasicsoftypicalconsumer-purpose,closed-endcreditrequirements,andfocusesonapplication,initial,subsequentandstatementdisclosuresforhomesecuredclosed-endcredit.
CoverageincludesMDIA,rescission,HOEPA,andotherspecificsofhome-secured,closed-endcredit.
TILA—HomeEquityLinesofCredit(HELOC)30MIN.
Coursematerialprovidesbackgroundonthebasicsoftypicalconsumer-purpose,open-endcreditrequirements,andfocusesonapplication,initial,subsequentandstatementdisclosuresforopen-end,home-securedcredit.
Coverageincludesbillingerrorresolution,creditbalances,rescission,andotherspecificsofhome-securedopen-endcredit.
TILA—InstallmentLoans—Non-RealEstateSecured30MIN.
Coursematerialprovidesbackgroundonthebasicsoftypicalunsecuredorpersonalproperty-secured,consumer-purpose,closed-endcreditrequirements,andfocusesondisclosuretimingandcontentforclosed-endinstallmentloans.
TILA—OpenEndLoans/CreditCards30MIN.
Coursematerialprovidesbackgroundonthebasicsoftypicalunsecured,consumer-purpose,open-endcreditcardrequirements,andfocusesonapplication,initial,subsequentandstatementdisclosuresforopen-endcredit.
CoverageincludesCARDAct,billingerrorresolution,creditbalances,andotherspecificsofopen-endcredit.
TILA—UnsecuredOpen-EndLoans/Non-Card30MIN.
Coursematerialprovidesbackgroundonthebasicsoftypicalunsecured,consumer-purpose,open-endcreditrequirementsotherthancreditcards,andfocusesonapplication,initial,subsequentandstatementdisclosuresforopen-endcredit.
Coverageincludesbillingerrorresolution,creditbalances,andotherspecificsofopen-endcredit.
TruthinLendingAct—RegulationZ60MIN.
ExpandyourknowledgeoftheTruthinLendingActandRegulationZ,whichimplementsit.
Note:ThisisourgeneralTruthinLendingAct(TILA)course.
15Unfair,DeceptiveorAbusiveActsorPractices60MIN.
(UDAAP)—RegulationAAEnsureyourinstitution'sproceduresarecompliantwiththeUnfairandDeceptiveCreditPracticesActandRegulationAA.
Unfair,DeceptiveorAbusiveActsorPractices30MIN.
fortheFinancialInstitutionExaminetheprinciplesofunfairness,deceptionandabuseinthecontextofofferingandprovidingconsumerfinancialproductsandservices.
Also,learnhowtoidentifyunfair,deceptive,orabusivepracticesandexploretheinterplaybetweensuchactsorpracticesandotherconsumerprotectionstatutes.
16CourseCatalogforBanksBankerswhoservicecustomers'personalorbusinessaccountsmustadheretocertaindisclosurerequirements.
TheBankersEdgeDepositComplianceseriesexploresdepositrulesandregulations,includingcustomer-identityverification;initialaccount-openingandperiodicdisclosures;credit-denialnotices;availabilityofdepositedfundsandtheelectronictransfers.
CoursesinthiscurriculumcoverFedwireandRegulationJ,includinggeneralrequirements,internalcontrols,operationsandpractices;theGramm-Leach-BlileyPrivacyAct;theSarbanes-OxleyActandanti-tyingrestrictionsandexceptions.
AdvertisingCompliance60MIN.
Getanoverviewofthefederallawsandregulationsthatgovernfinancialinstitutionadvertising,andtherelatedpracticesthatarepermittedandprohibited.
AffiliateTransactions—RegulationW60MIN.
Afinancialinstitutionmayengageinfinancialtransactionswithitsparentcompany,othercompaniesownedbyitsparentcompany,orotherinterrelatedcompanies.
LearnaboutRegulationW-compliantpoliciesandproceduresyourcompanymustfollowwhenmakingthesetypesoftransactions.
Anti-BoycottRestrictions90MIN.
Learnaboutyourresponsibilitiesundertheanti-boycottprovisionsoftheExportAdministrationActandtestyourknowledgeusingascenario-driveninteractiveactivity.
Anti-TyingRestrictions60MIN.
Explorethebasicsofanti-tyingrestrictions—discoverwhatanti-tyingis,whenitoccurs,andhowtoavoidviolations—andstudytheexceptionsthatapplytotheanti-tyingrules.
Also,learnaboutotherfactorsrelatingtoanti-tying,suchasanti-trustlawsandanti-tyingpenalties.
BankBriberyAmendmentsAct30MIN.
Asafinancialinstitutionemployee,youareprohibitedfromacceptingcertaingiftsundertheBankBriberyAmendmentsAct.
Findoutwhatgiftsarenotpermissible;thentestyourknowledgeinamodelscenario.
DEPOSITCOMPLIANCEREGULATORYCOMPLIANCE"Whenitcomestomeetingandexceedingourorganization'strainingneeds,BankersEdgeisessentialtooursuccess.
Whenmydedicatedsupportteamsaystheywillaccomplishatask—whethercustomizingacourseorsettingupourdatabase—theydosoinatimelyfashionwithouthavingtorelyheavilyonourowninternalresources.
ItisthislevelofresponsivenessthatcementsourrelationshipwithBankersEdgetoday,andintothefuture.
"—SeniorTrainingSpecialist17CustomerandEnhancedDueDiligence(CDD/EDD)30MIN.
CDDisacriticalcomponentofyourinstitution'sBankSecrecyActandanti-moneylaunderingpolicies.
GettoknowthepurposeofCDDguidelines,howCDDcanhelpyouunderstandyourcustomersandbetterassessrisk,anddecidewhenCDD/EDDmaybenecessary.
Practiceyourskillsinaninteractivescenariofollowingthelesson.
CustomerIdentificationProgram(CIP)90MIN.
ReviewthebasicrequirementsofaCIPasprescribedbytheUSAPATRIOTAct.
ExploretherelationshipbetweenaCIPandyourinstitution'santi-moneylaunderingprogram.
Alsolearnhowtoverifytheidentityofcustomersandhowtorespondtoidentity-verificationproblems.
CustomerInformationSecurityAwareness(CISA)120MIN.
Explorespecificrequirementsandgeneralrulesyoumustfollowtoensurethesecurityofcustomerinformation.
Tolearnmoreaboutthistraining,pleaseclickheretoseeourcompleteCISAcurriculumonpage87.
DepositComplianceOverview90MIN.
Learnabouttherulesandregulationsthatgoverndepositaccounts.
Topicsinclude:customeridentityverification,accountinformationdisclosure,consumerreportingagencynotices,depositedfundsavailability,electronicfundstransferandtheamountofmoneykeptinreserves.
FederalDepositInsurance90MIN.
Corporation(FDIC)RefreshyourknowledgeofFDICinsurancecoverage,andreviewFDICinsurancecoveragedetailsfordifferenttypesofaccounts.
FederalElectionCampaignAct(FECA)90MIN.
LearnaboutthepurposeoftheFECA,andhowitregulatespoliticalcontributions.
Followingthetraining,testyouraptitudewithaninteractivescenario.
Fedwire—RegulationJ45MIN.
RegulationJgovernsallfundstransfersperformedthroughFedwire.
ExploreSubpartBandlearnaboutthegeneralregulationrequirements,internalcontrolsandoperations,andpracticesyoumustbeawareoftoensureyourinstitutionmaintainscompliance.
ForeignCorruptPracticesAct90MIN.
TheFCPAcontainsbothrulesthatprohibitbribestocertainforeignofficials,andregulationsforaccountingpractices.
Learnabouttheseprovisionsandtheallowablepaymentsunderthisact—thentestyourknowledgeinaninteractivescenario.
Gramm-Leach-Bliley(GLB)PrivacyAct60MIN.
GainabetterunderstandingofGLBPrivacyActnoopt-outconcepts,termsandrequirementsastheyapplytoyourrolewithinyourfinancialinstitutionGLBPrivacyAct(Opt-Out)60MIN.
ReviewGLBPrivacyActopt-outconcepts,termsandrequirementsastheyrelatetoyourrolewithinyourfinancialinstitution.
18CourseCatalogforBanksIntroductiontoComplianceforTellers60MIN.
Gainabetterunderstandingoftellers'complianceresponsibilities,andthespecificregulationsthatapplytoeachjobfunction.
Pleasenote:Ourassumptionforthistrainingisthattellershandletypicalwindowtransactions,suchasdeposits,withdrawals,receivingpaymentsonloanaccounts,accounttransfers,sellingcashier'sandteller'schecksandassistingwithbalanceinquiries.
OfficeofForeignAssetsControl(OFAC)60MIN.
ExpandyourknowledgeofOFACregulations.
Findoutwhattheseregulationsentail,andlearncompliantbestpracticestofollowifyouconfirmanOFACmatchduringatransaction.
ReserveRequirements—RegulationsDandQ90MIN.
Financialinstitutionsmustkeepcertainamountsofcashavailableforcustomerwithdrawals.
TakeacloserlookatRegulationsDandQthatsupportandgoverntheserequirements.
RighttoFinancialPrivacyAct(RFPA)90MIN.
Yourcustomers'financialactivitiesareprotectedundertheRFPA.
ExploretheRFPAregulations,andseehowandwhenthefederalgovernmentcanaccesscustomers'financialinstitutionrecords.
Sarbanes-OxleyActOverview60MIN.
TheSarbanes-OxleyActisafederallawthataddressesstandardsofbehaviorforcorporationsandtheiremployees.
Understandthesenewstandardsandlearnaboutthepenaltiesthatapplytoindividualsfornon-compliance.
SweepAccountDisclosureRequirements30MIN.
BuildonyourknowledgeofFDICandcommercialdepositaccounts,whilebrushinguponyourfamiliaritywithFDICcoverageofsweepaccounts.
TruthinSavingsAct—RegulationDD60MIN.
LearnhowtheTruthinSavingsActandRegulationDDhelpconsumersmakeinformeddecisionswhendepositingmoneyatfinancialinstitutions.
19Intoday'shighlyregulatedbankingenvironment,servingcustomersefficientlyismorechallengingthaneverbefore.
Financialservicesinstitutionsareexperiencingunprecedentedgovernmentscrutinyduetoheightenedmoneylaunderingactivityandotherfinancialcrimes.
Consequently,tellersarefacingincreasinglytime-consumingtransactionrequestsduetocomplexcomplianceobligations.
Yet,inspiteoftheserealities,customers'demandformoreservicesinthetellerlinecontinuestoescalate.
TheBankersEdgeTransactionComplianceseriespreparestellerstohandletransactionsacrossalllevelsofcomplexityeffectively.
TRANSACTIONCOMPLIANCEREGULATORYCOMPLIANCE"TheBankersEdgeRegulatoryComplianceseriesisinvaluabletoourbankbecausenow,wenolongerhavetodedicatetimeorresourcestodevelopingcoursesandconductingstafftraining.
"—DirectorofTrainingAnti-MoneyLaundering(AML)60MIN.
Beinformedaboutmoneylaundering.
Learnabouttheprocess,legislationandrequirements—anddiscoverwaysyoucanpreventmoneylaunderingatyourfinancialinstitution.
AMLforCustomerServiceRepresentatives60MIN.
Customerservicerepresentativesneedtohavedeepworkingknowledgeofmoneylaundering—includinghowthiscrimeisdefinedandthespecificstepstheymusttaketopreventit.
AMLforDirectorsandSeniorManagement30MIN.
Asadirectororseniormanager,youhaveanti-moneylaunderingobligationstoupholdwithinyourinstitution.
Learnaboutthemoneylaunderingprocessandkeyanti-moneylaunderinglegisla-tionthataffectsyourrole.
AMLforLenders90MIN.
Learnaboutlender-specificAMLlegislation,andreviewstepsyouneedtotaketohelppreventmoneylaunderingatyourfinancialinstitution.
AMLforOperations90MIN.
Reviewthemoneylaunderingprocess,keyAMLlegislation,andwaysthatyou—asanoperationsemployee—canhelpyourorganizationcomplywithAMLlawsinyourorganization.
AMLforTellers60MIN.
Ifyouareateller,oryoumanageateamoftellersinyourinstitution,thisAMLtrainingisforyou.
Learnhowmoneylaunderingisdefinedandthespecificstepsyouoryouremployeesshouldtaketopreventit.
Anti-TerrorismOverview90MIN.
Explorethelawsdesignedtoprotectfinancialinstitutions'assetsandhelpprohibitcertaintypesoforganizationsfromaccessingtheU.
S.
financialsystem.
20CourseCatalogforBanksBankBroker/DealerExemptions—RegulationR90MIN.
Givenitsmanycomplexitiesandlevelsofconditionalrequirements,comprehendingRegulationRcanbeadauntingtask.
Getsavvyaboutitsfourprimaryprovisions,aswellassomeoftheadditionalexceptionsavailabletobanksundertherule,andlearnwhat'snextforregulatoryagenciesandbanks.
BankSecrecyAct(BSA)90MIN.
TheBSAhelpstheUnitedStatesgovernmentcombatmoneylaunderingandotherillegalfinancialactivity.
LearnaboutBSA-relatedidentification,recordkeepingandreportingrequirements.
BSAforCustomerServiceRepresentatives90MIN.
Ifyouareacustomerservicerepresentative,oryoumanageateamofcustomerservicerepresentatives,thenyouneedtoknowBSA-compliantwaystoobtaincustomeridentification,reporttransactionsandretainrecords.
BSAforDirectorsandSeniorManagement30MIN.
Asadirectororseniormanager,youareresponsibleforenforcingyourfinancialinstitution'sBSArequirements.
Learnhowfederalregulatoryagenciesexpectyoutobeactivelyinvolvedinyourinstitution'sBSAcomplianceprogram.
BSAforLenders60MIN.
LoanofficershaveauniqueroleinupholdingtheBSA.
GainabetterunderstandingofkeylegislationthathelpstheU.
S.
combatmoneylaunderingandotherillegalfinancialactivity.
Note:Thiscoursetakesthepositionthatloanofficersdonotacceptpaymentsonaccounts.
Instead,loanofficersprimarilyreviewloanapplicationsandaccompanyingdocumentation,openloanaccounts,answerquestionsfromloanapplicantsandborrowers,andcompilecustomeridentificationinformation.
BSAforOperations60MIN.
Becauseoftheirbroaderaccesstoaccountrecords,operationsemployeeshavetheopportunitytodetectcertaintypesoffraudthatotheremployeesmightnotbeabletouncover.
LearnspecificBSA-detectionbestpracticesoperationspersonnelshouldemploywhenaccessingcustomers'accountrecords.
BSAforTellers90MIN.
Learntheregulationstellersmustfollowtohelpcombatmoneylaunderingandotherillegalfinancialactivity—particularlytheBSA-relevantinformationatellermustknowtomaintaincomplianceduringtypicaltransactions.
BSA/AMLTrust60MIN.
Asatrustdepartmentemployee,itisessentialthatyoumanagetheBSA/AMLriskofyouraccountsandprotectyouraccountsfromcriminalactivity.
ExplorethesourceofBSA/AMLrisk,findoutaboutprogramsandgovernmentagenciesinplacetoassistinmanagingthisrisk,andlearnwhatthepenaltiesareforviolatingtheselaws.
Check21ActOverview60MIN.
GainabasicunderstandingoftheCheck21Act.
Reviewthecheckingprocess,generalrequirementsforsubstitutechecks,consumerawarenessprovisionsandexpeditedre-creditingprocedures.
CurrencyTransactionReporting(CTR)60MIN.
TakeacloserlookattheCTRrequirementsoftheBSA.
DiscoverthenecessarycustomerinformationrequiredbytheCTRform;andhowtocorrectlycompleteitforspecificsituations.
ElderFinancialAbuse60MIN.
Learnhowtorecognizedifferenttypesofelderfinancialabuse,whattodoifyoususpectacustomerisavictim,andprecautionarymeasuresyoucantakeinyourinstitutiontohelppreventthisabuse.
Followingthecourse,practiceidentifyingandcombatingelderfinancialabusewithinteractivecasestudies.
ElectronicFundsTransferAct—RegulationE60MIN.
FindouthowtheElectronicFundsTransferActisimplementedwithRegulationE.
Reviewtransac-tionscovered,necessarydisclosures,theconsumerandfinancialinstitution'sliability,errorresolutionrequirementsandpenaltiesfornoncompliance.
21ExpeditedFundsAvailabilityAct—RegulationCC60MIN.
ExploretheExpeditedFundsAvailabilityActandRegulationCC.
Learnaboutthebasics,exceptionsandthespecificavailabilityofparticularfunds.
NationalBankTrustActivities(12CFRPart9)60MIN.
NationalbanksengagingintrustactivitiesaresubjecttocompliancewiththeOfficeoftheComptrolleroftheCurrency(OCC)12CFRPart9—alsoknownasRegulation9.
ExploreRegulation9basics,includingthefiduciaryrequirementsassociatedwithdiscretionaryinvestmentreviews,administrativeaccountreviews,conflictsofinterestandself-dealing.
ProvidingServicetoCustomersWithDisabilities60MIN.
Learntobetterserve,interactwithandaccommodatecustomerswhohavedisabilities.
Practiceyourskillsusingcasestudiesthatwillhelpyouidentifydifferentdisabilities,anddiscoverstepsyouandyourinstitutioncantakeforamoreaccessiblefacility.
RedFlagsofIdentityTheft45MIN.
Reframeyourviewonidentitytheftcrimeandprevention.
HearexcerptsfromtheBankersEdgecourse"PretextCallingandIdentityTheft"aboutsecuritythreatsposedbyidentitytheft,andlearnmoreabouttheidentitytheftpreventionprogramdesignedbytheFTC.
ServiceMembersCivilReliefAct(SCRA)60MIN.
Foruptoayearfollowingactiveduty,AmericanswhoserveinthearmedforcesareprotectedfromlawsuitsundertheSCRA.
Understandyourinstitution'sroleincomplyingwiththisact.
SexualHarassment90MIN.
Preventsexualharassmentinyourworkplaceandmaintainasafe,dignifiedandproductiveworkenvironmentbylearningtorecognizeandavoidinappropriateconduct.
SexualHarassmentforSupervisorsandManagers30MIN.
Seescenariosmodeledafterworkplaceincidentsthatcouldleadtosexualharassmentclaims,andfindouttherightwaytohandlesituationswhereemployeesconfideinyou.
SuspiciousActivityReporting60MIN.
AreyouconfidentinyourabilitytodetectandreportsuspiciousBSAactivityBecomemoreproficientwithidentifyingseveraltypesofsuspiciousactivityandbetterunderstandyourreportingresponsibilities.
UnlawfulInternetGambling—RegulationGG20MIN.
GainadeeperunderstandingoftheUnlawfulInternetGamblingEnforcementActandthereasoningbehindRegulationGG.
Explorepolicies,proceduresandaccount-openingduediligencepractices,andlearnhowtohandlesuspiciousandrestrictedtransactions.
22CourseCatalogforBanksFINANCIALSKILLSFINANCIALSKILLSRETAILBANKINGFINANCIALSKILLSRETIREMENTMANAGEMENTFINANCIALSKILLSCONSUMERLENDINGCOMMERCIALLENDINGFINANCIALSKILLS23Whetherthelendingstaffinyourorganizationneedtoacquirenewskillsorbrushuponexistingcompetencies,thecomprehensivecoursesthatcomprisetheBankersEdgeCommercialLendingseriesprovideaflexibleenvironmentwhereemployeesmaylearnattheirownpace.
Frombasiccreditrisk-assessmentfundamentalstosalesstrategies,thiscurriculumprovidestheessentialscommerciallendingemployeesneedtonavigatetransactionsconfidentlyandcompetently.
COMMERCIALLENDINGFINANCIALSKILLSCashFlowAnalysis90MIN.
Getacquaintedwithfreecashflowandnetinternalcashflowanalysis.
Learnhowthesemethodsofanalysisprovideamorecomprehensivepictureofacompany'sfinancialhealththanearnings,cashflowstatementsorEBITDA.
CashFlowStatement60MIN.
Reviewdifferentsectionsofthecashflowstatementandfindoutwhythistoolisofutmostimportancetofinancialanalysts.
Learnhowtocompileacashflowstatementanddiscoverhowtomakecalculationsbasedonprojectedfinancialstatements.
CurrentAssets60MIN.
Gainadeeperunderstandingofthecurrentassetssectionofthebalancesheet.
Learntoidentifyvariousaccountsandtheirrelevancetoacompany'sfinancialstatus,andfindouthowdifferentcompaniesdealwithinventory—oneofthekeyaccountsincurrentassets.
IncomeStatementAnalysis60MIN.
Examinetheincomestatementanditsvariousaccounts.
Learnaboutthedifferencebetweenaccountingfortaxesversusaccountingforshareholders.
Also,getacquaintedwithusingratiostoanalyzeandcomparecompanies.
LiabilitiesandEquity60MIN.
Takeacloserlookattheliabilitiesandequitysectionofthebalancesheet,andlearntoidentifyandcomparethewaybusinessesfundoperations.
"BankersEdgecontinuallymonitorsitscoursesandupdatesitscontenttoreflectlegislativechangesandissues,soIcanrestassuredthatouremployeesarecurrentonthelatestlegislation.
"—CustomerSatisfactionSurvey24CourseCatalogforBanksLoanStructuring60MIN.
Exploretheelementsofstructuringaloanfromboththeborrower'sandthelender'spointofview.
Learnaboutthefeaturesofseveraltypicalloanproductsincommerciallendingandusecasestudiestogainabetterunderstandingofhowlenderschooseappropriateloans.
Long-TermAssets60MIN.
Examinethelong-termassetssectionofthebalancesheet,andfindoutwhatdefinesalong-termasset.
Also,learnhowtoidentifythedifferentkindsoflong-termassets.
PersonalTaxReturnAnalysis60MIN.
Gainconfidencewhenanalyzingpersonaltaxreturns.
Learntaxreturn-analysisbasics,includinghowtodetermineaprojectedincome.
Exploreincometrends,recurringversusnon-recurringincome,anddiscoverhowtaxreturnscanbeusedasasalestool.
RatioAnalysis60MIN.
Explorehowfinancialanalystsuseratiostoanalyzeandcomparecompaniesbyperformingcalculationsofvariousratiosthatindicatethefinancialstatusofacompany.
TheBalanceSheet60MIN.
Examineoneofaccounting'sfundamentaldocuments:thebalancesheet.
Learnhowtoread,createandmaintainabalancesheet;anddiscoverhowabalancesheetworkswithotherfinancialstatementsandfitsintotheannualreport.
TheIncomeStatement60MIN.
Learnabouttheincomestatementanditslinkstothebalancesheet.
Explorevariousincomestatementaccounts,whattheymeanandwheretheycomefrom.
UnderstandingSBAEligibility60MIN.
Exploreeligibilityrequirementsforthe7(a)loanprogramsoftheSmallBusinessAdministration(SBA).
Equipyourselfwiththetoolsyou'llneedtoidentifyeligibleloansandpinpointeligibilityissuesthatmayrequireadditionalresearch.
UnderstandingSBALoans60MIN.
GainabasicunderstandingofSmallBusinessAdministration(SBA)7(a)and504loanprograms.
LearnaboutbasicSBAloanprogramguidelines,termsandconditions,anddiscoverhowtodeterminewhichSBAprogrambestsuitsyourapplicants'needs.
WorkingCapital60MIN.
Getacquaintedwithworkingcapitalandoperatingworkingcapital—twonumbersofgreatinteresttofinancialanalysts.
Learnhowtocalculateworkingcapitalandoperatingcapital,andunderstandthedifferencebetweenthetwofigures.
Findouthowfinancialanalystsusethesefigurestoanalyzethefinancialstatusofacompany.
25Tobesuccessfulintheirroles,loanofficersmustfirstbuildastrongconsumerlendingfoundationbymasteringallaspectsoftheborrowingprocess.
TheBankersEdgeConsumerLendingseriesgetsbacktobasicsbyfocusingonloan-programfundamentals,suchasresidentialmortgageloanorigination,processing,underwritingandclosing.
Othertopicsaddressedinthecurriculumincludefederalfloodinsuranceregulations,RegulationC,HOEPArulesandSBAeligibilityrequirements.
FINANCIALSKILLSCONSUMERLENDING"Asregulators'expectationsincrease,financialinstitutionsaretaskedwithfindingtrainingsolutionsthatarecomprehensive,cost-effectiveanduserfriendly.
WeselectedBankersEdgeasourexclusivetrainingvendorbecausetheymeetthesecriteria,whileprovidingimpeccablecustomerserviceandsupport.
"—SeniorComplianceOfficerAnalyzingPersonalFinancialStatements60MIN.
Discovertherelationshipbetweenusingpersonalfinancialstatementstodetermineindividualborrowers'creditworthiness,inbothconsumerandprivatebanksituations,anddoingsotogaugethefinancialstrengthofindividualsasprincipalsandguarantors.
FundamentalsofConsumerLending60MIN.
Ensurecompliancewithconsumercreditregulations,anddemonstratesubjectmatterexpertiseinyourinteractionswithcustomerswhoapplyforconsumercredit.
Exploreloancostcategories;andlearnaboutsecuredandunsecured,andopen-andclosed-endedcredit.
Plus,findouthowbanksdetermineloanpricingandwalkthroughthestepsoftheconsumercreditapplicationprocess.
FundamentalsofMortgageLending30MIN.
Acquiretheknowledgeandskillsyouneedtodiscussorsellrealestatecreditproductswithclients.
Understandtheimportanceofmortgagelendingtofinancialinstitutionsanditseffectofthesecondarymarketonthelendingprocess.
Explorearealestatebasicsoverview,andfindoutwhyaclientmightwantarealestateloan.
Acquiremortgageterminology,andlearnhowtocalculateloan-to-valueratios.
Theloanprocessisdiscussedfromtheclientperspectiveandthefunctionsofthevariousfinancialservicespersonnelinvolved.
Regulationsthataffectthemortgagelendingprocessarealsointroducedatrelevantpointsinthecourse.
High-CostMortgages(HOEPA)90MIN.
LearnaboutthebasicconceptsregardingloansgovernedbyHOEPArules,thedifferenttypesofhigh-costmortgagesavailabletoconsumers,prohibitedlendingpracticesandrequireddisclosurestatements.
26CourseCatalogforBanksHomeEquity(Open-EndCredit)60MIN.
Reviewtherulesgoverningopen-endhomeequitycreditofferedtoconsumersunderRegulationZ.
Topicscoveredincludespecificdisclosuresforborrowers,lendingrestrictionsthatapplytohomeequitylinesofcreditandadvertisinggovernance.
IRSReportingforRealEstateTransactions60MIN.
TheInternalRevenueService(IRS)governsrealestatelendingtransactionsbyenforcingassociatedreportingregulations.
Whenspecificeventsoccurrelatedtoarealestateloan,theIRSrequiresthatfinancialinstitutionsreporttheinformation.
LearnaboutthefourspecificIRSregulationsrelatedtorealestateloansandrelatednoncomplianceissues.
MortgageFraudAwareness60MIN.
MortgagefraudhasreachedepidemicproportionsintheUnitedStates.
Findouthowtorecognizefraud,andexplorethestepsyouneedtotaketoprotectyourselffromliabilityandprosecution.
PrivateMortgageInsurance90MIN.
Thiscoursefocusesontherequirementsforterminationofprivatemortgageinsurance(PMI)inaccordancewiththeHomeownersProtectionActof1998.
ExplorePMIdisclosurerequirementsandobligations,includingconditionsforautomaticandfinaltermination.
ResidentialMortgage1-2-3—MortgageProcess90MIN.
Understandtheprocessesforresidentialmortgageloanorigination,processing,underwritingandclosing.
Alsolearnabouttheregulationsassociatedwitheachoftheseprocesses,andthestepsneededforcompliance.
ReverseMortgage60MIN.
Learnhoweachofthedifferenttypesofreversemortgagesworkandwhomayqualify.
Also,becomefamiliarwiththeapplicationprocess,andthecommonquestionsandconcernspeoplehaveregardingthesemortgages.
SecondLienRealEstateMortgageLoans60MIN.
Buildonyourexistingrealestatelendinglawknowledge.
Learnaboutloanssecuredbyrealestate,andlawsandregulationsthatapplytosecondlienmortgageloanssecuredbyone-tofour-familydwellings.
SubprimeandPredatoryLending60MIN.
Learnthebasicsaboutthesubprimemarketandthecharacteristicsofpredatorylending.
Topicsaddressedinthisinformativesessioninclude:thedifferencesbetweenacceptableloanstothesubprimeborrowerandpredatoryloans;predatoryloantypesandtheriskofsuchloanstoyourcustomersandyourinstitution.
27Designedtoaddressvirtuallyeveryaspectofretirement-planadministration,thecoursesintheBankersEdgeRetirementManagementserieshelpemployeesbecomebetterequippedtoassistcustomerswithIRAsandtax-favoredsavingsplans.
TopicscoveredincludeSBAloanprogramguidelines,termsandconditions,ESAs,SEPplansandSIMPLEIRAs.
FINANCIALSKILLSRETIREMENTMANAGEMENTEducationSavingsAccounts(ESA)60MIN.
ExplorebasicinformationaboutEducationSavingsAccounts,includingrulesforcontributionsanddistributions.
ExcessIRAContributions30MIN.
FindouthowexcessIRAcontributionsoccurandwhentheycanbecorrectedandlearnabouttheirassociatedreportingandrecordkeepingrequirements.
IRABeneficiaryOptions90MIN.
LearnaboutthedifferentIRAbeneficiaryrules,regulationsandreportingrequirementsfortraditional,SIMPLEandRothIRAs.
Note:ThiscoursepresentsaspectsoffederallawregardingdeathdistributionstoIRAbeneficiaries.
IndividualstatesmayhavespecificlawsthataffectIRAbeneficiarydistributions.
Checkwithataxorlegalprofessionaltoseeifyourstatehasadditionalapplicablelaws.
IRAContributions90MIN.
ExploretheregulationsthatgovernIRAcontributionsincludingtraditionalandRothIRAcontribu-tions,rollovers,transfers,excesscontributions,re-characterizationsandconversions.
Note:ThiscoursedoesnotdiscussemployerSimplifiedEmployeePension(SEP)plancontributionstoanemployee'straditionalIRAoremployerSavingsIncentiveMatchPlanforEmployeesofSmallEmployers(SIMPLE)IRAplancontributionstoanemployee'sSIMPLEIRA.
Youcanlearnmoreaboutthesecontributionsintwoothercoursesinthisseries,SimplifiedEmployeePension(SEP)PlansandSIMPLEIRABasics.
Viewthecoursedescriptionsonthefollowingpage.
IRADistributions120MIN.
GainabetterunderstandingofIRAdistributionrules,beginningwithbasicIRAdistributioninformation.
Additionaltopicscoveredincludedistributiondocumentationandreporting,andtheresponsibilitiesofIRAownersandfinancialorganizationsservingascustodiansortrustees.
Note:ThiscourseexaminesdistributionsfromtraditionalIRAsandRothIRAs.
TherulesforSavingsIncentiveMatchPlansforEmployeesofSmallEmployers(SIMPLE)IRAdistributionsessentiallymirrorthetraditionalIRArules.
Throughoutthecourse,unlessspecificallynoted,IRAmeansatraditional,Roth,orSIMPLEIRA.
"Examinersandauditorsareverysatisfiedwiththetrainingcontent,comprehensiontestingandemployeetracking.
WecontinuetoaddtoourBankersEdgetraininglibraryyearafteryear.
"—DirectorofComplianceOperations28CourseCatalogforBanksIRARequiredMinimumDistributions60MIN.
Learnaboutrequiredminimumdistributions(RMDs)fromtraditionalIRAs,SEPsandSIMPLEIRAs.
Also,findouthowtocalculateRMDandsatisfyRMDreportingresponsibilities.
IRARollovers,TransfersandDirectRollovers90MIN.
Exploretheprocess,regulationsandreportingrequirementsforIRA-to-IRArollovers,IRA-to-IRAtransfers,anddirectrolloverstoandfromqualifiedemployerplans.
RothIRAOverview60MIN.
ReviewfundamentalsofRothIRAs,includinginformationaboutestablishingaRothIRA,contributionsandplandistributions.
SimplifiedEmployeePension(SEP)Plans90MIN.
DemystifySEPplans.
Learnmoreaboutemployerandemployeeeligibilityrequirements,plandocumentationandreporting.
Note:ThiscoursefocusesonSEPplansestablishedwithIRSForm5305-SEP,whichdoesnotpermitemployeesalarydeferralelections.
DetailsofsalaryreductiononSEP(SARSEP)plansoranyothertypesofprototypeorindividuallydesignedSEPplanswillnotbeaddressed.
SIMPLEIRABasics90MIN.
FindoutwhataSIMPLEIRAplanis,anddiscoverplanowners'andadministrators'responsibilitiesandrequirements.
TraditionalIRAOverview60MIN.
LearnaboutthefundamentalsoftraditionalIndividualRetirementAccounts(IRAs)inthiscomprehensivecourse.
Informationcoveredincludes:establishingatraditionalIRA;contributingtothetraditionalIRAandtherulesthatgoverncontributions;andtakingdistributionsfromthetraditionalIRAandtherulesandpenaltiesofdoingso.
TrustLawBasics30MIN.
Explorethelegalframeworkunderwhichfiduciariesoperateonboththestateandfederallevel.
Alsoexplorethepotentialliabilityfiduciariesface,andlearnaboutthevariousprotectivemeasuresinplacetomanageday-to-dayrisks.
TrustServices60MIN.
HowdotrustservicesbenefitcustomersatyourfinancialinstitutionLearnaboutconceptsrelatedtotrustservicesandthedifferenttypesoftruststhatexist.
Also,findouthowtorecognizeanopportunitytooffertrustservicestoacustomeratyourfinancialinstitution.
UnderstandingSBAEligibility60MIN.
Getacquaintedwiththeeligibilityrequirementsforthe7(a)loanprogramsoftheSmallBusinessAdministration(SBA).
Equipyourselfwiththetoolsyou'llneedtoidentifyeligibleloansandpinpointeligibilityissuesthatmayrequireadditionalresearch.
UnderstandingSBALoans60MIN.
GainabasicunderstandingofSmallBusinessAdministration(SBA)7(a)and504loanprograms.
LearnaboutbasicSBAloanprogramguidelines,termsandconditions,anddiscoverhowtodeterminewhichSBAprogrambestsuitsyourapplicants'needs.
29Drawingonourmanyyearsofexperiencebuildingtrainingprogramsforbanks,wehavedevelopedacomprehensivecurriculumthatfeaturesthebasicsnewhiresneed,coupledwithrefreshercoursesformorepracticedemployees.
TheBankersEdgeRetailBankingseriesexploresabroadrangeoftopics—fromaccountwithdrawalanddepositskills,toidentitytheftpreventionandethicalbehavior.
AcceptingNegotiableInstruments90MIN.
Thelawsandcompliancerequirementsthatapplytocustomers'depositandcheck-cashingrequestsarehighlycomplex.
Minimizeyourinstitution'sriskbyexpandingyourknowledgeofbasiccheck-cashingandcheck-acceptancestandards.
AutomatedClearingHouse(ACH)60MIN.
GainabasicunderstandingofACHtransactions.
LearnaboutgeneralrequirementsforOfficeofForeignAssetscomplianceandACHtransactions,andseehowthisnewSECcodewillaffectfinancialinstitutions.
BombThreatsandOtherSecurityIssues60MIN.
Thethreatofviolentcrimesagainstfinancialinstitutionsisanunfortunatereality.
Consequently,understandingyourrolewhenrespondingtoemergencysituationsiscritical.
Preparefortheunexpected,anddiscoverwaysyoucanprotectyourself,yourcolleaguesandcustomersagainstthesetypesofthreats.
BusinessContinuityandDisasterRecovery60MIN.
Ifanaturaldisasterorotherunexpectedcatastrophiceventdisruptedyourbusiness'sday-to-dayoperations,wouldyouoryouremployeesknowwhattodonextLearnaboutuniversalandlocation-specificthreats,personalandemployeepreparedness,andthebasicsofbuildingabusinesscontinuityplanforyourinstitution.
Cash-DrawerBalancing60MIN.
Revisitbasiccash-draweraccountingprinciples,includingbalancingproceduresandopeningandclosingpolicies.
ConvenienceProductsandServices60MIN.
Reviewcommonbankingproductsandservicesthatfinancialinstitutionshavedevelopedtomeetcustomers'increasingdemandforconvenience.
FINANCIALSKILLSRETAILBANKING"BankersEdgeprovidesourorganizationwithawiderangeofsubjectstochoosefrom.
Weusethebankingcoursestohelpnewhiresgetuptospeedintheirpositions.
Andourmoreexperiencedemployeesenjoyusingthecoursestohonetheirbankingskills.
"—DirectorofTraining30CourseCatalogforBanksDepositProducts60MIN.
Learnaboutdepositproductsandservicesofferedbyfinancialinstitutions.
Topicscoveredincludetypesofdepositproductsavailableandtheirassociatedfeaturesandbenefits,theinterestearnedoncertainaccounts,andtheimportanceofdepositaccountrelationshipstocustomersandfinancialinstitutionsalike.
DepositsandWithdrawals60MIN.
Helppreventfraudandmoneylaunderingatyourfinancialinstitutionbykeepingyouraccountdepositandwithdrawalskillssharp.
EthicsforBankers90MIN.
Gainadeeperunderstandingofthelegalfoundationsandcomplianceregulationsthatsupportethicalbankingbehavior.
Also,identifystrategiesthatcanhelpyouminimizecommonareasofconcernandwork-relatedethicaldilemmas.
FraudsandScams60MIN.
Tuneintothelatestsecuritythreatssweepingfinancialinstitutions,andlearnhowtoprotectyourorganizationandcustomersfromconartists.
FundamentalsofBankingI—TheBankingSystem90MIN.
TakeatripthroughtimetoseehowtheAmericanbankingsystemhasevolvedhistorically.
Explorethedifferenttypesoffinancialinstitutionsthatmakeupthebankingsystem,andviewtheimpactcurrentindustrytrendscouldhaveonthewayfinancialinstitutionsoperateinthefuture.
FundamentalsofBankingII—TheBankingInstitution90MIN.
EverwonderhowfinancialinstitutionsthatprovidebankingservicestoconsumersmakemoneyExaminecorebankingbusinessfunctions;identifyemergingproducttrends,servicesandtechnologies;andreviewspecializedproductsandservicesthatsomefinancialinstitutionsoffer.
HandlingStopPayments60MIN.
Getacquaintedwiththerulesandproceduresforacceptingandprocessingstop-paymentorders.
Andlearnhowstop-paymentordersaffectpersonalchecks,electronicfundstransfersandfinancialinstitutionobligations.
HealthSavingsAccounts(HSA)90MIN.
ConfusedaboutHSAsYou'renotalone.
Explorethebasicrulesforthesetax-advantagedmedicalsavingsaccounts,includingestablishment,contributions,distributionsandannualreporting.
Plus,learnaboutthespecificresponsibilitiesofanHSAownerandacustodianortrustee.
InsiderTrading60MIN.
Getsavvyaboutsecuritieslawviolations.
Preventpotentiallyseriouscriminalandcivilinfractionsandmakeinformeddecisionsabouttradingactivities.
InsuranceDisclosures30MIN.
Institutionsthatsellorofferinsuranceproductstoconsumersneedtofollowcertainregulations.
Reviewlawsrelatedtoinsurancereferrals,informationdisclosureandmethodsofsale.
InsuranceProducts60MIN.
Exploretheinsuranceproductsofferedbyyourinstitution,learnhowtorecognizeinsurancesalesopportunities,anduncoverwaystoobtainandforwardqualityproductreferrals.
31IssuingNegotiableInstruments60MIN.
Learnaboutthefourtypesofnegotiableinstruments,includingcashing-andissuing-relatedproceduresandguidelines.
MoneyHandling60MIN.
Whetheryouareabankteller,oryoumanageateamoftellers,keepingyourmoney-handlingskillssharpisessential.
Revisithowtohandlecashproperly.
NewAccountIDProcedures(CA-Specific)90MIN.
Findoutthespecificstate-mandatedaccount-identificationproceduresthatmustbeadheredtowhenhelpingcustomersopennewaccountsinCA.
Non-DepositInvestmentProducts60MIN.
Getabroadoverviewofnon-depositinvestmentproducts,anddiscovertherelatedproceduresandlimitationsunlicensedbranchemployeesmustfollowwhendealingwiththem.
NonresidentAlien15MIN.
AnonresidentalienisdefinedassomeonewhoisnotanAmericancitizen,yetresidesorworksintheU.
S.
andmeetscertainresidencyterms,buthasnotbeenissuedagreencard.
Learnabouttheprocessesyoumustfollowwhenopeningormaintaininganaccountforanonresidentalien.
OpeningaDepositAccount60MIN.
Reviewthelawsandregulationsthatdictateaccountopeningprocedures.
Learnaboutaccountagreementandopeningdisclosures,customercertifications,typesofaccounts,variousformsofownership,customer-identifyinginformationandreportingrequirements.
PretextCallingandIdentityTheft60MIN.
Asafinancialinstitutionemployee,youneedtobeawareofsecuritythreatsposedbypretextcallingandidentitytheft.
Learnaboutfraudmethodsusedbypretextcallers,andgettipsonhowtoidentifythievesanddeterthesecrimes.
PrivateBanking60MIN.
Ifyourfinancialinstitutionserveshighnetworthclients,thiscourseisforyou.
Exploreseveraltypesoflargevalueaccountrelationships,theriskstheyposetoyourfinancialinstitution,andpoliciesandproceduresyoucanfollowtominimizecrimeassociatedwiththesetypesofaccounts.
RecordsManagement60MIN.
Gainadeeperunderstandingofrecordsmanagement,includingyourroleandresponsibilityforsuccessfullymanagingtherecordsthatyouhandleatwork.
32CourseCatalogforBanksRemoteDepositCapture45MIN.
RemoteDepositCapture(RDC)allowscustomerstoscandepositeddocumentsandtransmitthedigitalimagestofinancialinstitutionsforpostingandclearing.
Thiscourseexploresissues,considerationsandlegislationthatrelatestoRDC.
Robberies60MIN.
Unfortunately,ifyouworkatafinancialinstitution,youhaveanincreasedriskofbeingavictimofrobbery.
Whilesuchascenarioishighlyunlikely,preventingrobberyispartofyourroleatwork.
Explorecommonrobberytactics,andgettipsaboutwhattodoifyoufindyourselffacingthissituation.
SafeDepositBoxes60MIN.
Reviewgenerallyacceptedpracticesforadministratingsafedepositboxes.
Note:Thecommonpracticescoveredinthiscoursearepresentedasexamplesonly;alwaysfollowyourbank'sspecificguidelines.
SavingsBonds30MIN.
LearnthebasicsabouthowtoissueandredeemU.
S.
SavingsBonds.
SecurityofCustomerInformationGuidelines45MIN.
Exploreinformationsecurityprogramguidelinesforfinancialinstitutions,andlearnhowtheserulesaffectjobresponsibilitiesateveryleveloftheorganization.
TradeFinance30MIN.
Tradefinancefraudisatypeofmoneylaunderingperformedduringtheshipment,documentation,orpurchaseofgoodsandservices.
Attainadeeperunderstandingoftheredflagsthatindicatetrade-basedmoneylaundering,andofproceduresyoucanusetohelpfightthisgrowingcrime.
TrustLawBasics30MIN.
Getacquaintedwiththelegalframeworkunderwhichfiduciariesoperateonboththestateandfederallevel.
Alsoexplorethepotentialliabilityfiduciariesface,andlearnaboutthevariousprotectivemeasuresinplacetomanageday-to-dayrisks.
TrustServices60MIN.
HowdotrustservicesbenefitcustomersatyourfinancialinstitutionLearnaboutconceptsrelatedtotrustservicesandthedifferenttypesoftruststhatexist.
Also,findouthowtorecognizeanopportunitytooffertrustservicestoacustomeratyourfinancialinstitution.
WireTransfers60MIN.
Reviewriskfactorsassociatedwithwiretransferactivity,anddiscoverwaysyoucanhelpyourfinancialinstitutionavoidinvolvementinillegalwiretransferactivity.
33PROFESSIONALSKILLSPROFESSIONALSKILLSLEADERSHIPDEVELOPMENTPROFESSIONALSKILLSDIVERSITYANDINCLUSIONPROFESSIONALSKILLSCUSTOMERSERVICEPROFESSIONALSKILLSWITHMULTIMEDIAPROFESSIONALSKILLSSALES34CourseCatalogforBanksRaisethebarinyourorganizationwithcoursesthatcreateexceptionalleaders.
TheBankersEdgeLeadershipDevelopmentseriesteachesemployeeshowtoimproveperformanceintheircurrentpositions,andpreparesthemforrolesthatentailmoreresponsibilitydowntheroad.
Tenmodulescomprisethecurriculum,whichaddressesbusinessletter-,memo-ande-mail-writing;conflictresolution;timemanagement;andinterviewpreparationandconduct.
PROFESSIONALSKILLSLEADERSHIPDEVELOPMENTModule1:IntroductiontoManagementBasics60MIN.
Makingthejumpfromfront-lineemployeetomanagercanbedifficult,surprising,frustrating—andevenstressful.
Gainabetterunderstandingofyourroleasamanager,whatyourstaffexpectsofyou,andhowtomanageteamsandindividuals.
Module2:TimeManagement60MIN.
Aftertransitioningintomanagerialroles,manynewmanagersoftendiscovertheneedtodevelopbettertime-managementskills.
Learntoolsandtechniquesyoucanusetoimprovethewayyouuseyourtime.
Module3:BusinessWriting60MIN.
Awell-writtencommunicationhasthepowertopersuade,instructandinform.
Choosewordsandcreatesentencesthatconveyyourmessageclearly,andfeelmoreconfidentinthequalityoftheletters,memosande-mailsyouwriteforcustomers,coworkersandmanagement.
Module4:HowtoLeadand60MIN.
ParticipateEffectivelyinMeetingsIfyoufeelmeetingsaremoreakintotasksonto-doliststhanvehiclesforreachingstrategicobjectives,thinkagain.
Reframeyouroutlookonmeetings,andtransformstatic,creativity-zappingsessionsintoinspiringandproductiveorganizationaldestinations.
Module5:CoachingandFeedback60MIN.
Oneofyourgoalsasamanageristoseeyourdirectreportssucceedatwork.
Goodcoachingskillswillhelpyouachievethisgoal.
Watchvarioussituationsunfoldandlearnhowtoprovideappropriate,effectivefeedbackthatwillhelpyouremployeesgrow.
"WehaveretainedBankersEdgeoverthepastfiveyearsforthreereasons:excellentsupport,expansivecourseselectionandoveralleaseofuse.
"CustomerSatisfactionSurvey35Module6:LeadingPeopleThroughChange60MIN.
Changeisnevereasy.
Yet,tobeasuccessfulleader,youneedtobeagileandadaptableinordertonavigateyourteamthroughtimesoftransition.
Increaseyourcapacitytochange,andlearnhowtoleadothersduringtransformation.
Module7:HandlingConflict60MIN.
Conflictcanhavebothpositiveandnegativeeffectsonateamororganization.
Learntoleverageconflicttosolveproblemsandachievepositiveresultsinyourworkplace.
Module8:SharpeningYourInterviewingSkills60MIN.
Hiringtherighttalentisoneofthemostcriticalthingsyoucandotohelpyourcompanyreachitsgoals.
Findouthowtoscreencandidates,prepareforaninterviewandaskgoodquestions.
Note:Thiscourseprovidesinformationofageneralnatureregardinginterviewingpractices.
Itisnotintendedaslegaladviceforinterviewingandshouldnotbeviewedasasubstituteforlegalconsultationregardinggeneralhiringpracticesorspecificindividualsituations.
Module9:ManagingMultipleGenerationsatWork30MIN.
Today'sworkforceiscomprisedoffourgenerationsofemployees—seniors,BabyBoomers,GenerationX-ersandMillenials.
Gainabetterunderstandingofthedifferencesandsimilaritiesacrosseachdemographic,andlearnhowtobridgegenerationaldiversityinyourorganization.
Module10:IntroductiontoProjectManagementConcepts60MIN.
Transformconceptualthinkingintomeasurableandaccountableprocessesthatmeetyourcompany'srequirements.
Findouthowtoachieveobjectiveswithinasetperiodoftimebybecomingfamiliarwithplanning,schedulingandtask-orchestratingactivities.
36CourseCatalogforBanksMaintainingaharassment-anddiscrimination-freeworkplaceimprovesproductivity,boostsemployees'moraleandincreasescustomersatisfaction.
Taughtinaccordancewithfederalemploymentlaw,theBankersEdgeDiversityandInclusionseriesprovidesarisk-freeenvironmentwhereemployeesmaylearnhowtobemorerespectfulofcustomers'andco-workers'uniquebackgrounds.
Confidentialsituationsarealsoaddressedinrelationtotheproperproceduresfordocumentingoffensiveorillegalbehavioraspartofaworkplacecomplaint.
Age30MIN.
Increaseawarenessaboutagediscriminationintheworkplace,andexplorestrategiesforprevention.
BarrierstoDiversity30MIN.
Learntorecognizecommonlysharednegativeattitudesandbehaviorsthatcanbebarrierstoworkplacediversityandinclusion.
Seehowthesebiasescanharmworkingrelationships,stifleindividualgrowth,anddamagemoraleandproductivity.
Cross-CulturalBusiness30MIN.
Sales,customerservice,andnegotiationaredifficultenoughinacommonmarketplacewithoutaddingdifferentculturestothemix.
Learnhowtonavigateacrossculturesbydevelopingtheabilitytotalkwith—andlistento—peoplewhohaveuniquepersonalities,tastesandneeds.
CulturalDiversity30MIN.
Jobtransfers,immigration,technology,changesineconomicandpoliticalconditions—alloftheseelementscontributetoculturaldifferencesintoday'sworkplace.
Gaintheknowledge,flexibilityandsensitivitynecessarytocommunicateeffectivelywithcustomersandcoworkersacrosscultures.
Discrimination30MIN.
Oneemployee'sdefinitionoffairtreatmentcanbevastlydifferentfromanother's.
Learnmoreabouttheanti-discriminationlawsthatclearlydefinehowemployersmustdealwithalljobapplicantsandemployeesintheworkplace.
DiscriminationforManagers30MIN.
Thebroadspectrumofemployees'andcustomers'varyingraces,ages,genders,ethnicgroups,religionsandlifestylesposesuniquechallengesformanagers.
Exploreemploymentlawsandlearnhowtocreateaharassment-anddiscrimination-freeworkenvironment.
PROFESSIONALSKILLSDIVERSITYANDINCLUSION"WithBankersEdge,welovethatwecantailorthecoursestoincludeourcompany'slogoandpolicies.
Plus,weareabletodeliverthequizzesinvariousformats.
"CustomerSatisfactionSurvey37Defamation30MIN.
Theedict,"Betruthfulaboutemployees.
"soundssimpleenough.
Yet,unfortunately,thisvalueisnotal-waysobservedatwork.
Discoverwhyemployeeshavetobecarefulabouttheinformationsharedwith,andabout,eachother.
DefamationforManagers30MIN.
Mastertheskillsnecessarytofosteraharassment-anddiscrimination-freeworkenvironmentforallemployees,andgaininsightintoemploymentlawissuesrelatedtodefamation.
DiversityAwareness90MIN.
Gainanewperspectiveonworkplaceissuesassociatedwithdiversity,whilediscoveringtheadvantagesofembracingdifferencesinaharmoniousway.
Documentation30MIN.
Discoverhowdocumentationshouldbehandledatwork,andlearnhowtotrackoffensiveorillegalbehaviorincaseyoudecidetofileaworkplacecomplaint.
DocumentationforManagers30MIN.
Managersneedtobewell-informedaboutdocumentationrequirements—whetherrecordingdatarelatedtoemployees'performanceorretainingemployees'annualreviews.
Takeacloserlookatdocumentation-relatedemploymentlawissuesyoumayencounterinyourjob.
EmployeeswithDisabilities30MIN.
Learnhowemployeeswithdisabilitiesareprotectedfromworkplacediscrimination,anddiscoverstepsyouandyourinstitutioncantaketoaccommodatetheirneeds.
EmployeeswithDisabilitiesforManagers30MIN.
Findoutaboutemploymentlawissuesrelatedtoemployeeswithdisabilitiesthatyoucouldpotentiallyfaceintheworkplace.
Gender30MIN.
ThenumberofwomenintheU.
S.
workforcehasskyrocketedinthepast30years.
Whiletheworkforceisnowalmostequallysplitbetweenbothsexes,tensionanddiscriminationstilllinger.
Examinetherolegenderplaysinorganizations.
Harassment30MIN.
Harassmentisoneofthemost-reported—yetfrequentlymisunderstood—employeecomplaintsintheworkplace,yetmanysourcessuggestthattheissueisstillreallyunderreported.
Clearupconfusion,andgetanswerstoyourquestionsaboutharassment.
HarassmentforManagers30MIN.
Managersneedtohaveadeepunderstandingofharassment,particularlyinconjunctionwithemploymentlaw.
Reviewissuesrelatedtoharassmentthatyoumayencounteratwork.
Language30MIN.
Thewaywecommunicate,whetherbywordsoractions,helpsshapeourrelationships.
Languagecanuniteandinspire,butitcanalsodivideandoffend.
Learnhowtouselanguagewithsensitivitytowardothers,andtakeresponsibilityforhowyoucommunicateatwork.
38CourseCatalogforBanksMaritalStatus30MIN.
Asthenumberofwomenintheworkplacereachesrecordhighsandlivingarrangementsbecomemorecomplex,it'smoreimportantthaneverbeforetoprotectemployeesagainstdiscriminationbasedonmaritalorfamilystatus.
Race,ColorandNationality30MIN.
Americaisoneofthemostdiversecountriesintheworldintermsofourracialandethnicmakeup.
Findoutaboutthelawsprotectingraceandnationaloriginfromdiscriminationandharassmentintheworkplace.
Religion30MIN.
Learntorecognizeandpreventreligiousdiscriminationandharassmentscenariosatworkbygainingabroaderunderstandingofthelawsprotectingreligionfromdiscriminationandharassment.
Retaliation30MIN.
Retaliationmakesupabout30percentofallemployment-relatedfederalcomplaints.
Understandyourrightsinthisarea,andlearntomonitoryouractionstoensuremoreaproductive,dynamicworkenvironment.
RetaliationforManagers30MIN.
Retaliationcontinuestodominateemployment-relatedfederalcomplaints.
Getsavvyaboutemploymentlawissuesrelatedtoretaliationsoyouknowwhattowatchforatwork.
SexualHarassment90MIN.
Preventsexualharassmentinyourworkplaceandmaintainasafe,dignifiedandproductiveworkenvironmentbylearningtorecognizeandavoidinappropriateconduct.
SexualHarassment30MIN.
forSupervisorsandManagersSeescenariosmodeledafterworkplaceincidentsthatcouldleadtosexualharassmentclaims,andfindouttherightwaytohandlesituationswhereemployeesconfideinyou.
SexualOrientation30MIN.
SexualorientationandgenderidentityhavebecomeimportanttopicsintheAmericansociallandscape,aswellasintheworkplace.
Gainabroaderunderstandingofsexual-orientationdiscriminationandrelatedharassmentissues.
StereotypesandAssumptions20MIN.
Understandtheimpactstereotypesandassumptionshaveonemployees,soyoucanfosteramorerespectfulworkenvironment.
VeteranStatus30MIN.
HundredsofthousandsofAmericanmenandwomencurrentlyserveinstatemilitias,NationalGuardunitsandthearmedforces.
Learnabouttheemploymentlawsprotectingveteransandpeopleonmilitaryduty.
ViolenceandBullyingintheWorkplace20MIN.
What,exactly,isworkplaceviolenceWhoisaffectedbyitAndhowcanviolenceandbullyingincidentsatworkbepreventedIncreaseawarenessinyourinstitutionaboutthesegrowingnationalconcerns.
WorkplaceInclusion20MIN.
Identify,recognizeandunderstandthevalueofdiversityonapersonalandprofessionallevel,andlearnhowtoleveragedifferencesintheworkplacetobetterservecustomers.
39Deliveringrealvaluetocustomersisaboutmorethanjustensuringtheirsatisfactionwithyourorganization'sproductsandservices.
Tobealeaderinthemarketplace,employeesateverytouchpointwithinyourcompanymustgotheextramileanddeliveraconsistent,world-classexperience.
Comprisedofsevenhour-longmodulesandacomplementarycourse,theBankersEdgeCustomerServiceseriesisacomprehensivecurriculumthatteachesemployeeshowtoprovidestellarcustomerservicethatwillsetyourinstitutionapartfromthecompetition.
CustomerService60MIN.
Providingexcellentcustomerserviceisessentialtoeveryfinancialinstitution'ssuccess.
Thiscourseintroducesthefivetenetsofservice,andprovidestoolsthatwillhelpyouconsistentlytreatcustomerswithcourtesy,respectandvalue.
Module1:ShowingCustomersYouCare60MIN.
Providingapromptservicesolutionisonlyonepartofthecustomer-serviceequation.
Researchhasshownthatcustomerswantaquicksolution,buttheyalsowanttobetreatedinacaringmannerwhiletheirissuesarebeingaddressed.
Strengthenyourrelationshipswithcustomersbylearninghowtocommunicategenuineconcernduringeveryinteraction.
Module2:UsingLanguagetoServetheCustomer60MIN.
Languageispowerful—particularlywhenhelpingcustomersmeetrequestsandresolveissues.
Sharpenyourverbalskillsandleavecustomerswithamorefavorableimpressionofyouandtheorganizationyourepresent.
Module3:OpeningtheConversation60MIN.
Youonlyhaveonechancetomakeagoodfirstimpression.
Increasecustomersatisfactionbylearn-inghowtoestablishinstantrapportonthephone.
Discoverhowtopavethewayforcustomercon-versationsbydeliveringaprofessionalopeninginanupbeat,happy-to-helptone.
PROFESSIONALSKILLSCUSTOMERSERVICE"WeuseBankersEdgebecausetheirthorough,concisecoursesarepresentedinaformatthatmakescompliancetrainingeasyforourstaff.
IalsoenjoythesuperiorserviceBankersEdgeprovides.
"DirectorofTraining40CourseCatalogforBanksModule4:DiagnosingCustomerNeeds60MIN.
Askquestions.
Listen.
Confirmyourunderstanding.
Getsavvyabouttheseessentialskills,anddiscoverhowtheycanhelpyoubettermeetcustomers'needsandensuretheirsatisfaction.
Module5:RespondingtoCustomerRequests60MIN.
Answeringcustomerinquiriesquicklyandcorrectlyshowscustomersthatyouandyourcompanyareready,willingandabletosatisfytheirconcerns.
Findouthowtohandlecustomers'requestsyoucan'tfulfillinawaythatdemonstratesvalue.
Module6:TamingChallengingConversations60MIN.
Keepingyourcoolinchallengingconversationswithcustomersisanart.
Attaintheskillsyouneedtotametoughconversationswhendealingwithangrycallers,mountingtimepressuresandhighlyrepeti-tivetasks.
Module7:That'saWrap—ClosingtheConversation60MIN.
Bythecloseofacustomercall,youhavelikelytakentheappropriatestepstosolvethecustomer'sproblemoraddresshisorherrequest.
You'renotdoneyet,though!
Learnhowtohandletherestoftheconversationinawaythatcanhelppreventmisunderstandings,reducecallbacksandincreasecustomersatisfaction.
41Salesarethecoreofeverybusiness,andarethebarometerthroughwhichgrowthismeasured.
Comprisedoffourhour-longmodulesandacomplementarycourse,theBankersEdgeSalesserieswillteachyoursalesteamhowtodeepencustomerrelationshipsusingavarietyofproventechniques.
Fromwaystheycanincreasethevalueoftransactionsthroughcross-selling,totheartofanticipatingandovercomingprospectivecustomers'objections,thiseffectivecurriculumlinkstheorywithpracticetoacceleratesuccess.
Cross-Selling90MIN.
Tobecompetitiveintoday'sfinancialservicesmarketplace,institutionsmustoffertheircustomersawiderangeoffinancialproductsandservices.
Completingthiscoursewillintroduceavarietyoftheseproductsandservices,inadditiontoreviewingbasiccross-sellingandcommunicationskillswhichaidinbuildinglong-termrelationshipswithyourcustomers.
Module1:TheOtherSideofService60MIN.
Inyourroleasasalesperson,youmustalsouncovercustomers'unspokenneedsandmatchthemwiththeappropriateproductsandservicesthatwilladdressthem.
Whenyou'vefinishedthethreelessonsinthismodule,you'llhaveanopportunitytocompleteaself-assessmenttoreviewwhatyou'velearnedandtestyourknowledge.
Module2:AddingValueThroughCross-Selling60MIN.
Makingsurecustomers'unrecognizedneedsareaddressedbeforethecontactisconcludedisyetonemorewayyoucanprovidetotalservice.
Learntoanticipatecustomers'requirementsateveryinteraction,anddiscoverwaysyoucandevelopdeepercustomerrelationships.
Includesthreelessonsandaself-assessment.
Module3:AddingValueThroughUp-Selling60MIN.
Likecross-selling,up-sellingisanotherfacetofofferingtotalservicetocustomers.
Helpcustomersstreamlineproductivity,whilealsoincreasingthesizeorvalueofthesalethroughup-selling.
Eachlessonofthismoduleincludesaself-assessmentsoyou'llhaveanopportunitytotestyourknowledgeandapplywhatyou'velearned.
Module4:OvercomingResistance60MIN.
Whenitcomestocross-selling,thebestdefenseisastrongoffense.
TwoofthekeystoservingcustomerscompletelyKnowinghowtoanticipatetheirobjectionsandbeingpreparedtoovercomethem.
Completefiveshortlessonsinthismodule,thenapplywhatyou'velearnedtoyourownjobwhenyou'vefinishedthelessonsinaself-assessment.
PROFESSIONALSKILLSSALES"BankersEdgehasbeenouronlinetrainingproviderforyears.
Thematerialisaccurateandcompliant,thereportingtoolsaretop-notch,andthecustomerserviceistrulyunmatched.
"—DirectorofTraining42CourseCatalogforBanksDevelopawinningteamandcreateapositiveworkplacebygivingyouremployeesthetoolstheyneedtoachievepeakperformance.
Designedforemployeesinleadershiproles,coursesintheBankersEdgeProfessionalDevelopmentMultimediapackagetackletopicsmanagersandsupervisorsfaceatwork,suchasproductivityandbridgingthegenerationgapamongteammembers.
Techniquestaughtincludetipsforleadingteamsthroughorganizationalchangeandstrategiesforbecomingamastercommunicator.
Allofthecoursesinthiscurriculumareenrichedwithmultimediaforgreaterinformationretention.
"Yourstaffsetsthegoldstandardforcustomerservice.
Ilovetheproactivecalls!
Thankyouforalwaysbeingtherewithahelpinghand.
"—CustomerSatisfactionSurveyPROFESSIONALSKILLSWITHMULTIMEDIA43CommunicationBetterBusinessGrammar35MIN.
Asaprofessional,youknowit'simportanttobewell-groomedandpolished.
Yourverbalandwrittencommunicationskillsshouldreflectthesameeffort.
Learnhowtoavoidgrammaticalerrorsthatcandamageyourcareer,chaseawaycustomersandnegativelyimpactyourpotential.
CommunicatingforResults:HowtoBeClear,ConciseandCredible35MIN.
Regardlessofyourroleinyourorganization,toachieveresults,youneedgoodcommunicationskills.
Discoverstrategiesthatwillhelpyouconnectwithyouraudience,suchasfocusingonlisteners'moods,askingquestionstogetpeopleinvolvedinyourpositionandwaystoorganizeyourthoughtsmoreeffectively.
CommunicatingtoReduceStressontheJob30MIN.
On-the-jobstresscanimpairproductivityandleadtocommunicationbreakdown.
Learnhowtoavoidcrossingco-workers'"securityzones"andpreventstressfulsituationsatwork.
Alsoexploremethodsofmanagingtimepressure-inducedtension.
CommunicatingwithCustomers35MIN.
Regardlessofyourrole,toachieveresults,youneedgoodcommunicationskills.
Discoverstrategiesthatwillhelpyouconnectwithyouraudience,suchasfocusingonlisteners'moods,askingquestionstogetpeopleinvolvedinyourpositionandorganizingyourthoughtsmoreeffectively.
CommunicatingwithPeopleontheJob45MIN.
Fromtipsonhowtokeepyourcooltowaysyoucansharehonestcriticismwithoutoffendingothers,equipyourselfwiththetoolsexpertcommunicatorsusetoexpressyourselfatworkmoreeffectively.
Don'tShoottheMessenger:CommonWorkplaceCourtesiesthat40MIN.
ReduceTension&LowerStressRaiseyourawarenessofthesixcommonviolationsofworkplacecourtesy.
Practicemutualrespecttobuildrapportwithyourcolleaguesandearnareputationassomeonewhoisgreattoworkwith.
HowtoCommunicateClearlyandEffectivelyWithEmployees45MIN.
Learnhowtobecomeyouremployees'bestbossbyobservingandlisteningtointeractionsbetweenamanagerandheremployees.
Thescenariosrevealhowtomotivateemployeeswithpraise,offerconstructivecriticismthatchallengesemployeegrowthandtoclearlyandconfidentlydelegateimportanttaskstopreventmisunderstandings.
HowtoGiveandReceiveCriticism35MIN.
Givingandreceivingcriticismisacriticalpartofanyjob.
Getsavvyaboutguidelinesforgivingpositive,usefulcriticismtoothers,andunderstandthelinkbetweenreceivingcriticismandimprovingyourownperformance.
MaketheConnection:HowtoBeEffectiveandProductiveonthePhone45MIN.
Savetime,increaseprofitsandbuildvaluablerelationshipsbybecomingamastertelephonecommunicator.
Learnhowtocalmiratecallers,establishinstantrapportonthephone,skillfullyhandleinterruptions—andearnloyalcustomersintheprocess.
MasteringMemos30MIN.
Officememosreflectyourorganizingskills.
Yourlanguage,toneofyourwords,eventhelengthofyourmemos—alloftheseelementsdeterminewhetheryourcoworkerswillreadandunderstandwhatyouwrite.
Viewpoorlywrittenofficememosandpickupsometipsforimprovingyourwriting.
44CourseCatalogforBanksPowerWriting:TechniquesforSuccess60MIN.
Thequalityofyourwrittencommunicationscanmakeorbreakyourcareer.
Learnwaystoimproveyourwritingskills,makewritingeasierandpromotewrittencommunicationsthatwillhelpyouandyourcompanysucceed.
PowerfulWaystoPersuadePeople40MIN.
Theartofpersuasionisalearnedskillformostpeople—notaninnateability.
Thiscoursewillshowyouhowtobecomeamorepersuasivespeakersoyoucaninfluencecustomers.
SolvingPeopleProblemsontheJob45MIN.
Whiletherearemanywaystoreacttosituationsinvolvingproblemcoworkers,onlysomemethodsareeffective.
Equipyourselfwithtechniquesfordealingwithbehaviorproblems,includingtipsyoucanusetoavoidconflictandguidelinesyoucanusetohelpchangeothers'behavior.
SpeakingtoOnePersonoraRoomful:ProvenTechniquesthatWillMakeYou45MIN.
aMasterCommunicatorLearnhowtoenhanceyourtoneofvoiceandbodylanguage—andtosaytherightthing,andsayitwell,evenunderdifficultcircumstances.
Findtheexactwordstoconveyyourfeelingsindifficultsituations,includingthosewhereyoufeelinterrupted,rushed,putonthespotoraccused.
SpeakingwithConfidence,ClarityandCharisma45MIN.
Learnthesecretsprofessionalsusetoengagelistenersandpresentideaseffectivelywiththe"POWER"technique.
Getsavvyaboutestablishingrapportwithaudiences,orientingyourselfformaximuminfluenceduringameetingandgaugingagroup'sreactiontowhatyousay.
45CustomerService7ThingsNevertoSaytoYourCustomers45MIN.
Defusingstickycustomer-servicesituationsisoftenassimpleasrewordingyourreplytocomplaints.
Discoversevenphrasesyoushouldavoidsayingtocustomersatallcosts,andboostcustomerloyaltytonewheights.
Everyone'sCustomerServiceRole45MIN.
Yourcustomerbaseisthecornerstoneofyourorganization.
Seehowtheactionsofeveryemployee—eventhosewhodonotserveexternalcustomers—canaffecttheoverallhealthofyourorganization.
Listen&Win:HowtoKeepCustomersComingBack30MIN.
Unlockoneofthebest-keptsecretstocustomerretention:listening.
Learntechniquestoimproveyourlisteningskills,aswellassometipsyoucanusetoavoidcommoncustomercomplaints.
SpeakLikeaPro…andGetaStandingOvationEveryTime45MIN.
DoyoufeelnervousattheprospectofgivingaspeechYou'renotalone.
Realizethatyouraudiencewillfeelconfidentaboutyou—andyourmessage—onlyifyouspeakwithpoise.
Discoverafail-safewaytowriteaneffectivespeechthatyoucandeliverwithconvictionandfinesse;andlearnhowtoconnectwithaudiencesinstantlyusingoneoffiveclassicintroductions.
ThinkLiketheCustomer,ActLiketheOwner40MIN.
Learnhowtothinklikethecustomerandactliketheownersoyoucandelivergreatcustomerservice.
Plus,getsavvyabouthandlingcommonstickysituationswithprofessionalismandfinesse.
WinningOverEventheMostDifficultCustomers:45MIN.
GoingBeyondServicewithaSmileEventhebestcustomerscanbetaxingunderstressfulconditions.
Butsincedifficultcustomersareafactoflife,it'suptoyoutoturnfrustratingsituationsaroundandmakethemostofeveryconversationyouhavewithcustomers—regardlessofthechallenge.
Pickupimportantskillsyoucanusetowinoverthornycustomersandleadbyexample.
46CourseCatalogforBanksLeadershipBecomingaCoach:BringingouttheBestinEmployees40MIN.
Whileagoodcoachcommunicatesobjectivestohisorherstaff,enforcesdiscipline,andsharesconstructivefeedback—agreatcoachencouragesteammemberstoexploretheirfullpotential.
Discoverwaysyoucansupportyourdirectreportsandhelpthemshineintheirbestlight.
BecomingaLeader:CommunicationTechniquesthatMotivate,Guideand45MIN.
InspireEmployeestoExcelWhetheryouareamanager,executiveoranentry-levelprofessional,thesourceofyourpowertoexcelcomesfromwithin.
Tapintoeightcommunicationprinciplesofleadershipandbecomethebestleaderyoucanbe.
ConductingHigh-Impact,Low-StressPerformanceReviews45MIN.
DoesthethoughtofgivingperformancereviewskeepyouupatnightDiscovertherightwaytoplananddeliveraperformancereview.
Learnhowtoprovidemeaningfulfeedbacktoemployeesthat'scompliantwiththelaw,andexplorestress-minimizingstrategiesyoucanemploythroughouttheprocess.
CreatingYourDreamTeam:HowtoHarnessthePowerofTeamwork45MIN.
Walkthroughtheteam-buildingprocessandacquireuniversalstrategiesyoucanapplywhenbuildingyourowndreamteam.
Learnhowtoselecttherighttalent,clearlycommunicateyourteam'smission,fosteracreative,innovativeenvironmentandmakethemostoferrorssoyourteamcanlearnfrommistakes.
Everyone'sTeamworkRole45MIN.
Howmuchtimeandeffortiswastedinyourorganizationbecauseteammembersdon'tfullyunderstandeachother'srolesandresponsibilitiesDiscovertheT.
E.
A.
M.
approachtohelpemployeesfeelliketheyarecollectivelyworkingtowardacommongoal,andbuildtrustamongeachotherintheprocess.
ForManagers…CreatingaPositiveWorkplace:GoodAttitudesAreContagious45MIN.
Investinyouremployees,andyouwillseethepayoffinproductivity.
Findouthowtoinspire,nurture,challengeandrecognizeemployeesinawaythatwillhelpyoubuildamorepositive,energizedworkplace.
HeatingUpYourColdCalls35MIN.
Offsetcustomerattritioncausedbynaturalbusinesscyclesandexpandyourcustomerbasewithhot-buttonprospecting.
Learnsimplecold-callingtechniquesthatwillhelpcapturecustomers'attentionandguaranteeawarmreception,includingthehotbuttonsto"push"togetafewminutesofaprospect'stime,anappointment,orevenasale.
HiringSecrets:12TipstoGetCandidatestoRevealTheirTrueSelves35MIN.
Interviewingcandidatesisacommoncauseofanxietyformanyhiringmanagers.
Practicespecificstepsyoucanusetoimproveyourinterviewingtechniqueandconductmoresuccessfulinterviews.
47HowtoResolveConflictatWork30MIN.
Conflictatworkcanmakeorbreakyourcareer.
Equipyourselfwiththeskillsyouneedtobettermanageconflict—whetherknowingwhenconflictmaybeavoided,orhavingtheabilitytoresolvedisagreementsastheyoccur.
HowtoSeeOpportunityinaChangingWorkplace30MIN.
Workerscomeandgo.
Newtechnologyaffectsthewaywework.
Responsibilitiesshift…Thekeytothrivingduring,andafter,changeistoreframeyouroutlook.
Discoverhowtoprosperwhenyouviewchangeasanopportunitytoworkmoreeffectively,ratherthanaroadblock.
HowtoShineinDifficultManagementSituations45MIN.
Asamanager,youwilllikelyonedayfindyourselfinanuncomfortablesituationwithanemployee.
Learnfiveessentialtools—sincerity,humility,imagination,negotiationandenthusiasm—youcanusetobetternavigatedifficultmanagementscenarios.
InterviewingTechniquesThatHelpYouHiretheBest60MIN.
Interviewingcandidatesisprobablythemostcrucialpartofthehiringprocess.
Takealookinsideasystemforinterviewingthatwillhelpyoucapturethemostimportantinformationfromcandidates,andwillalsoenableyoutoobjectivelyratethemtofindthebestpersonforthejob.
It'sBusiness,NotPersonal:TamingEmotionsintheWorkplace45MIN.
Beingoverlyemotionalatworkcanhinderyourcareer.
Findouthowtotameyouremotionswhendealingwithyourboss,co-workersandcustomers.
Alsolearnhowtotakefeedbackgracefully,refrainfromwritingemotionallychargede-mailsandshareopinionsdiplomatically.
Plus,practicetechniquesforclearingtheairconstructively.
MotivatingEmployeesDuringOrganizationalChange45MIN.
Duringorganizationalchange,communicatingwithyourteameverystepofthewayisessential.
Learnhowtobuildtrustwithemployeesbyshowingsensitivityandbeingasoundingboard;anddiscoverhowtocommunicateaclear,consistentmessagethatreinforcesthepositiveaspectsofchange.
ProfessionalConduct101:VitalSkillsforNewEmployees45MIN.
Newemployeesareoftenunfamiliarwiththecommongroundrulesofworkplace.
Discoverthevitalskillsneededtodevelopaprofessionalimage—fromappropriatedressandconducttohowtoadjusttothecompany'sorganizationalculture.
Also,observestrategiesforavoidinginappropriatebehaviorsthatcanunderminecredibility.
ResolvingConflicts:StrategiesforaWinningTeam30MIN.
Negativebehaviorbyafewteammemberscanbefataltoateam'ssuccess.
Experiencescenarioswhereproblempersonalitiescauseconflict,andlearnresolutionstrategiesyoucanusetodefusesituations.
Solving(EvenMore)PeopleProblemsontheJob45MIN.
Unfortunately,unpleasantcoworkerswithproblembehaviorsareafactoflife.
Learnhowtodealwithbehaviorproblemsyoumayencounterintheworkplaceinasuccessful,tactfulandprofessionalmanner.
48CourseCatalogforBanksTrainingtoWin:HelpingEmployeesMeetorExceedTheirGoals30MIN.
Bygivingemployeesthetoolstheyneedtomeetorexceedtheirgoals,youenablethemtosetambitioustargets,makesmartdecisionsandstayontrack—evenasdistractionsthreatentoderailprogress.
Discovertrainingtechniquesyoucanemploytohelpyouremployeesadoptadriven,goal-orientedmindset.
YouAretheOrganization45MIN.
WhetheryouworkinITorthemailroom,theimageyoupresentofyourselfandyourorganizationtocoworkersandfriendscanhelpyouwinorloseclients.
Recognizeyourpublicrelationsrolewithinyourorganizationandlearnhowtoconductyourselfeffectivelybothinsideandoutsideofwork.
TeamworkBuildingCooperation:HowEveryoneCanWinatWork30MIN.
Cooperationcanboostproductivity,improveperformanceandmakeyourorganizationabetterplacetoworkoverall.
Findouthowtoavoidthreecommoncommunicationmistakes,andlearnsixtechniquesyoucanusetobemorecooperativeonthejob.
ForEmployees.
.
.
BeingPositiveintheWorkplace:45MIN.
GoodAttitudesAreContagiousLearnhowtocreateagoodattitudeonthejobbyboostingyourownmoraleandstayingpositiveamidtheinevitableday-to-dayfrustrationsofwork.
GettingCooperation:Team-BuildingThatWorks35MIN.
Interpersonalcommunicationmishapsamongteammembershaveanegativeimpactonproductivity.
Examinecommoncommunicationblundersanddiscoverhowtoregainfocusoncommongoalswhenteammembers'egosimpedeeffectiveness—andhowtoachievemore-respectfulgroupinteractionsoverall.
49SinkorSwimTeamwork:We'reAllinThisTogether45MIN.
Behindeverygreatorganization'ssuccessisthisfundamentalconcept:teamwork.
Yet,noteveryoneknowshowtomakeateamwork—orhowtobeateamplayer.
Throwyourteamalifelineanddiscoverhowtomaximizeyourteam'seffectivenessusingthe"CLING"strategy.
Team-BuildingTechniquesThatWork45MIN.
Blendingdiversepersonalitiesandskillsetstoformacohesiveteamthatcancompleteeventhetoughestassignmentsischallenging.
Practiceteamworkprinciples,meetingtechniquesandcommunicationtoolstopromoteteamworkinyourorganization.
TimeManagementAchievingPeakPerformanceontheJob60MIN.
Becomemoreefficient,helpfulandproductiveatwork,whetheryou'rea"collaborator"ora"loneranger.
"Learntoovercomeobstaclesthathavehistoricallyderailedyourprogress,andfindoutunderwhatconditionsyouworkbest.
ArrestthatStress:HowtoDepressurizeYourWorkLife45MIN.
Absenteeism,employeeturnover,lowerproductivity,highermedicalexpenses—whetherthetollisemo-tional,physicalorfinancial,thecostofworkplacestressisexpensive.
Discoverstrategiesyoucanusetochannelstressandpromoteamorepeaceful,balancedenvironmentatwork.
DoitRighttheFirstTime:PayingAttentiontoDetails45MIN.
Makesuccessahabit.
Discoveraprovenapproachthatentailspracticingactivelistening,usingsimpletoolstohelpretainwhatyoulearnandcreatingatemplateforguaranteedaccuracy.
DoMoreinLessTime:TameYour35MIN.
WorkloadbyDramaticallyIncreasingYourProductivityTameyourworkloadbydramaticallyincreasingyourproductivity.
Developskillsthatwillhelpyoumakethemostofyourdailyschedule,whetheryouareatwork,inmeetingsortraveling.
GetOrganizedandStayOrganized:45MIN.
The7-DayPlanforPuttingYourWorkLifeinOrderGetorganized,onceandforall!
Putyourworklifeinorderbyfollowingtheprinciplesillustratedinthissensibleseven-dayprogram,andminimizethechaosinyourworldinjustafewminutesaday.
HowtoJuggleMultiplePriorities30MIN.
Havingtomanagemultipleprioritiesatworkisafactoflife.
GetacquaintedwiththeC.
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N.
D.
O.
system—auniquemethodologydesignedtohelpyoudealwiththestressofworkoverload,avoidprocrastinationandfinishyourassignedtasksontime.
50CourseCatalogforBanksLeading20-MinuteMeetingsThatMatter45MIN.
Turnyourmeetingsintohelpful,productivetime-savers.
Establishaneffectivestrategyandprocedurebywhichtolead.
Learnhowtoleadmeetingswithaclearpurpose,keeptopicsontrackandendontime.
Listening:TheKeytoProductivity45MIN.
Beinganeffectivelisteneristhekeytobeingeasytoworkwithandrespectedbycolleagues.
Getacquaintedwiththe"10lawsoflistening"andthe"R-E-H-E-A-R"listeningtechnique,anddiscoverhowtoovercomefourcommonlisteningdistractions.
ManagingStressBeforeitManagesYou45MIN.
Leverageyourscheduleforunsurpassedproductivity,andstriveforastress-freeworkenvironment.
Discoverwaystoidentifyandovercomethethreemajorsourcesofworkplacestress.
Pickuptipsforattaininganidealbalancebetweenworklifeandhomelifewhilealsobattlingstressusingtheproven"A-T-T-A-C-K"method.
TakeBackYourTime:HowtoManageYourWorkloadandStillHaveaLife45MIN.
Themosteffectiveemployeesgetawayfromtheofficetorecharge.
Whileit'snotalwayseasytodo,learnthreewaysyoucanchallengeyourselftoreclaimyourtimebyproperlymanagingyourworkload.
51TheimplementationofthenewCFPBmortgagefinalrulesintroducedanotherlayerofregulatorycomplexityforyouremployeestonavigate.
Ensuringthatmortgageprofessionalsinyourorganizationthoroughlyunderstandthehistoricalchangesaffectingthemortgageindustryiscritical.
Tohelpyourorganizationcomply,wepartneredwithTrainingPro—theindustry'sleadingNationalMortgageLicensingSystem(NMLS)-approvedcontentprovider—tobringyouournewlyexpandedMortgageLendinglearninglibrary.
Comprisedof44courses,thecurriculumisgroupedintocategoriesthatmirrortheNMLSNationalTestContentOutline,soyoucanbeconfidentknowingthecoursetopicsarealignedwithSAFEActexpectationsfornon-depositories.
"WecontinuetochooseBankersEdgeoverotherprovidersfortwokeyreasons:thequalityoftheircoursecontentandtheeaseofreportingtodemonstratetrainingcompletion.
"—CustomerSatisfactionSurvey52CourseCatalogforBanksFederalMortgageLawsRealEstateSettlementProceduresActPartI30MIN.
TheRealEstateSettlementProceduresAct(RESPA)wasenactedin1974toprovideprotectionforconsumersthroughouttheloanoriginationprocessandduringandafterclosing.
RESPAassistsconsumersinselectingappropriatesettlementservices,andeliminatesfraudulentcostsassociatedwithsettlementservices,suchaskickbacksandreferralfees.
RESPAdealswithloanssecuredbymortgagesonone-tofour-familyresidentialproperties,includingmostpurchaseloans,assumptions,refinances,propertyimprovementloans,andequitylinesofcredit.
ThiscourseprovidesanoverviewofRESPA,includingdefinitionsimportantforunderstandingthelawandinformationrelatedtorequireddisclosures,specificallytheGoodFaithEstimate.
ThiscoursewillalsoreviewwaysthatRESPAprotectsconsumersafterclosing.
RealEstateSettlementProceduresActPartII30MIN.
TheRealEstateSettlementProceduresAct(RESPA)wasenactedin1974toprovideprotectionforconsumersthroughouttheloanoriginationprocessandduringandafterclosing.
RESPAassistsconsumersinselectingappropriatesettlementservices,andeliminatesfraudulentcostsassociatedwithsettlementservices,suchaskickbacksandreferralfees.
RESPAdealswithloanssecuredbymortgagesonone-tofour-familyresidentialproperties,includingmostpurchaseloans,assumptions,refinances,propertyimprovementloans,andequitylinesofcredit.
ThiscourseprovidesanoverviewofRESPA,includingrecordretentionrequirements,prohibitedpractices,andpenaltiesforviolationsofRESPA.
ThiscoursewillalsoreviewupcomingchangestoRESPA,specificallyinregardstotheuseofnewdisclosureformswhichwillbeeffectiveAugust2015.
EqualCreditOpportunityAct15MIN.
In1974,CongressenactedtheEqualCreditOpportunityAct(ECOA)toeliminatediscriminatorytreatmentofcreditapplicants.
TheprimaryreasonfortheenactmentofECOAwasanecdotalevidencethatwomenwerenottreatedonanequalbasiswithmenwhenapplyingforcredit.
ECOAanditsregulations,knownasRegulationB,areintendedtopromotetheavailabilityofcredittoallcreditworthyapplicantsregardlessofgender,race,color,religion,nationalorigin,maritalstatus,age,andregardlessofthefactthattheapplicantreceivesincomefromapublicassistanceprogramorhasexercisedhisorherrightsundertheConsumerCreditProtectionAct.
ThiscourseprovidesanoverviewofECOA,includingdefinitionsimportantforunderstandingthelawandinformationrelatedtorequireddisclosures.
ThiscoursewillalsoreviewlendingpracticesprohibitedbyECOA,aswellasaDiscussionScenariotoenhanceunderstandingoftheAct.
IntroductiontotheTruthinLendingAct15MIN.
CongressenactedtheTruth-in-LendingAct(TILA)asTitleIoftheConsumerCreditProtectionAct(CCPA).
TILAisalawthatisintendedtoprotectconsumersinthefinancialmarketplacebyprovidingthemwithdisclosuresthatwillhelpthemtounderstandthefinancialproductsthattheyarepurchasing.
Thestatedpurposeofthelawistoencouragethe"informeduseofcredit"byassuringthatconsumersareabletocomparemorereadilythevariouscredittermsavailabletothem.
ThiscourseprovidesanoverviewofTILA,includinganexplanationofwhichtypesofloansarecoveredunderthelawanddefinitionsimportantforunderstandingTILA'sprovisions.
ThiscoursewillalsocoverthecriminalandcivilpenaltiesforviolationsofTILA.
53FederalMortgageLaws(continued)TILAAdvertising&RighttoRescission30MIN.
CongressenactedtheTruth-in-LendingAct(TILA)asTitleIoftheConsumerCreditProtectionAct(CCPA).
TILAisalawthatisintendedtoprotectconsumersinthefinancialmarketplacebyprovidingthemwithdisclosuresthatwillhelpthemtounderstandthefinancialproductsthattheyarepurchasing.
Thestatedpurposeofthelawistoencouragethe"informeduseofcredit"byassuringthatconsumersareabletocomparemorereadilythevariouscredittermsavailabletothem.
ThiscourseprovidesareviewofTILAprovisionsrelatedtoadvertisingandtherightofrescission.
Subjectsdiscussedincludetheformatandcontentofthenoticeoftherighttorescind,aswellasthedistinctionbetweenthethree-business-dayandthree-yearrighttorescind.
Thiscoursewillalsodiscussadvertisingrulesastheyapplytoopen-endandclosed-endloans.
TILADisclosureRequirements45MIN.
CongressenactedtheTruth-in-LendingAct(TILA)asTitleIoftheConsumerCreditProtectionAct(CCPA).
TILAisalawthatisintendedtoprotectconsumersinthefinancialmarketplacebyprovidingthemwithdisclosuresthatwillhelpthemtounderstandthefinancialproductsthattheyarepurchasing.
Thestatedpurposeofthelawistoencouragethe"informeduseofcredit"byassuringthatconsumersareabletocomparemorereadilythevariouscredittermsavailabletothem.
ThiscourseprovidesareviewofTILAprovisionsrelatedtodisclosuresrequiredunderthelaw.
SubjectsdiscussedincludethestandardsforstatingthecostofcreditintheformoffinancechargesandAPR.
ThiscoursewillalsoprovideinformationontheTILDisclosureStatement,aswellasotherrequireddisclosuressuchastheCHARMBooklet,loanprogramdisclosures,therate/paymentchangedisclosure,andtheinitialrateadjustmentdisclosure.
StudentswillalsohavetheopportunitytoenhancetheirunderstandingofthematerialthroughaDiscussionScenarioandgraphicsoftheFinanceChargeChartandasampleTILDisclosureStatement.
HomeOwnershipandEquityProtectionAct30MIN.
In1994,CongressadoptedtheHomeOwnershipandEquityProtectionAct(HOEPA)inresponsetothegrowinguseofabusivemortgagelendingtermsandpracticesinthesubprimemarket.
Thenameofthelawreflectsitsgoal,whichistoprotectthehomeownershipofAmericansbydiscouragingtheoriginationofloansthatarebasedentirelyonavailablehomeequitywithoutconsiderationofrepaymentability.
HOEPAcreatedtheseprotectionsbyaddingprovisionstotheTruth-in-LendingAct(TILA)thatrequireoriginatorsofHOEPAloanstoavoidspecificlendingtermsandpracticesandtoprovideborrowerswithspecialdisclosures.
ThiscourseprovidesanoverviewofHOEPA,includinganexplanationofwhichtypesofloansarecoveredunderthelawandtherequireddisclosuresandnotificationsforsuchloans.
ThiscoursewillalsocovertherequirementsoutlinedbyHOEPAfortheevaluationofborrowerrepaymentabilityandcounseling,aswellasprohibitedtermsandpractices.
RegulationsforHigher-PricedMortgages30MIN.
In1994,CongressadoptedtheHomeOwnershipandEquityProtectionAct(HOEPA)inresponsetothegrowinguseofabusivemortgagelendingtermsandpracticesinthesubprimemarket.
In2008,theFederalReserveBoardattemptedtomakeprotectionsavailabletomoreborrowersinthesubprimemarketbywritinganewsetofregulationsthatapplyto"higher-pricedmortgageloans.
"Thiscourseprovidesanoverviewoftheregulationsforhigher-pricedmortgages,specificallyrequirementsrelatedtoescrowaccountsandappraisals.
54CourseCatalogforBanksFederalMortgageLaws(continued)ALookattheHomeownersProtectionAct15MIN.
Privatemortgageinsurance(PMI)protectsthelenderintheeventthataborrowerdefaultsonaloan,anditisrequiredwhenaborrowermakesadownpaymentoflessthan20%andtheloan-to-valueratioishigh.
CongresspassedtheHomeownersProtectionAct(HPA)in1998tofacilitatethecancellationofprivatemortgageinsurance.
TheHomeownersProtectionActprovidesfortheautomaticterminationofPMIasborrowersbuildequity,andtheriskoflossfromdefaultdecreases.
ThiscourseprovidesanoverviewoftheHPA,includingdefinitionsimportantforunderstandingthelawandinformationrelatedtorequireddisclosures.
ThiscoursewillalsoreviewpracticesprohibitedbytheHPA.
SecureandFairEnforcementAct(SAFE)15MIN.
In2008,andinresponsetothemortgagelendingcrisis,thefederalgovernmentsoughttoensureminimumlicensingstandardsforallmortgageloanoriginatorswiththeenactmentoftheSecureandFairEnforcementforMortgageLicensingActof2008(S.
A.
F.
E.
Act).
TheS.
A.
F.
E.
Actattemptstomakelicensingrequirementsforstate-regulatedmortgageprofessionalsmoreuniformbyrequiringeverystatetomeetminimumstandardsforallloanoriginators.
ThiscourseprovidesanoverviewoftheS.
A.
F.
E.
Act,includingrequirementsrelatedtolicensureandregistration,backgroundchecks,education,testing,andthedemonstrationoffinancialresponsibility.
StudentswillalsohavetheopportunitytoenhancetheirunderstandingofthematerialthroughaDiscussionScenario.
HomeMortgageDisclosureAct15MIN.
CongressenactedtheHomeMortgageDisclosureAct(HMDA)in1975todiscouragecreditorsfromdenyingloanstoqualifiedapplicantsbecauseoftheapplicants'race,apracticealsoknownas"redlining,"andtoencouragelendinginstitutionstoprovideloanstotheconsumersintheircommunities.
HMDArequirescoveredlendinginstitutionstosubmitreportsabouttheirmortgagelendingactivitiesinordertohelpcitizensandpublicofficialsdeterminewhetherinstitutionsareservingthehousingneedsofthecommunitiesinwhichtheyarelocatedandtoassistpublicofficialstodeterminehowtobestusepublicsectorinvestmentsinordertoencourageprivatesectorinvestment.
ThiscourseprovidesanoverviewofHMDA,includingdefinitionsimportantforunderstandingthelawandinformationrelatedtodatacollectionandreportingrequirements.
ThiscoursewillalsoreviewpenaltiesforviolationsofHMDA.
FCRA&FACTA30MIN.
TheFairCreditReportingAct(FCRA)isafederallawthatwasenactedin1970asanamendmenttotheConsumerCreditProtectionAct.
Itspurposeistoimproveaccuracy,impartiality,privacy,andfairnessincreditreportingbyimposingspecialrequirementsonconsumerreportingagencies,companiesthatsupplyinformationtoconsumerreportingagencies,andcompaniesthatuseconsumers'personalinformation.
In2003,CongressaddedadditionalprovisionstoFCRAwiththeenactmentoftheFairandAccurateCreditTransactionsAct(FACTA).
Congressadoptedtheseadditionalprovisionsinordertoaddresstheproblemofidentitytheft,tofacilitateconsumers'accesstotheinformationretainedbyCRAs,andtoimprovetheaccuracyofconsumerreports.
ThiscourseprovidesanoverviewofFCRAandFACTA,includingdefinitionsimportantforunderstandingbothlawsandinformationrelatedtorequireddisclosuresandnotifications.
Thiscoursewillalsodiscussprohibitedpracticesandpenaltiesforviolations.
55FederalMortgageLaws(continued)TheRedFlagRules15MIN.
TheRedFlagsRuleisameasureincludedinFACTAtoaddressidentitytheft.
A"redflag"isdefinedasapattern,practice,orspecificactivitythatindicatesthepossibleexistenceofidentitytheft.
EnforcementoftheRedFlagsRulewaseffectiveDecember31,2010.
ThiscourseprovidesanoverviewoftheRedFlagsRule,includingdefinitionsimportantforunderstandingthelawandrequirementsoftheRule.
Thiscoursewillalsodiscussexamplesofredflags.
IntroductiontotheDoddFrankAct15MIN.
WavesofdefaultsonsubprimehomeloansandtherapidunravelingofthemarketbeganinMarch2007,andtheimpactoftheselossesisstilldeterminingtheeconomicforecast.
Congressaddressedthecrisiswiththeenactmentofnewlegislation,specificallythepassageoftheDodd-FrankWallStreetReformandConsumerProtectionAct(theDodd-FrankAct).
Thelawaddressesabroadrangeofissuesthatrelatetofinancialandinvestmentactivities,includingmortgagelendingandinvesting.
ThiscourseprovidesanoverviewoftheDodd-FrankAct,includingalookatsomeofthemostpertinentTitlesandSubtitleswithintheAct.
MortgageAssistanceReliefServices(MARSRule)15MIN.
OnDecember1,2010,theFederalTradeCommission(FTC)publisheditsfinalruletoregulatemortgageassistancereliefservices(MARS)providers.
Thisfinalruleincludesprovisionscreatingprohibitedpractices,specialdisclosures,andrecordkeepingrequirementsforMARSproviders.
Theruleisintendedtoprotect"consumers,"whoaredefinedasanypersonsobligatedunderanyloansecuredbyadwelling.
In2011,theCFPBrepublishedtheMARSRule,makingtechnicalchangestoreflectthetransferofimplementationandenforcementauthorityfromtheFTCtotheCFPB.
ThiscourseprovidesanoverviewoftheMARSRule,includingdefinitionsimportantforunderstandingthelawandinformationrelatedtorequireddisclosures.
ThiscoursewillalsoreviewrecordkeepingrequirementsandthoserepresentationsprohibitedforMARSproviders.
IntroductiontotheUSAPatriotAct15MIN.
TheUSAPATRIOTAct(thePatriotAct)wasenactedinresponsetotheSeptember11,2001terroristattacks.
TheportionsofthePatriotActthatimpactmortgagelendingtransactionsarecontainedinTitleIII,whichiscalledtheInternationalMoneyLaunderingAbatementandAnti-TerroristFinancingActof2001.
ThePatriotActstrengthenstheU.
S.
government'sabilitytotakeactiontoaddressmoneylaundering.
ThiscourseprovidesanoverviewofthePatriotAct,includingwhichentitiesarerequiredtocomplywiththelawandthespecificrequirementsforsuchentities.
IntroductiontotheGramm-Leach-BlileyAct15MIN.
Privacyrightsareasignificantconcernformortgageprofessionalswhoareinvolvedintheprocessing,closing,andservicingofmortgageloans.
TheGramm-Leach-BlileyAct(GLBAct)protectstheprivacyofnonpublicpersonalinformationthatisprovidedbyindividualconsumersandcustomers.
ItisvitalformortgageprofessionalstounderstandthisActinordertoproperlyprotectanindividual'sprivacyduringtheloanprocess.
ThiscourseprovidesanoverviewoftheGLBAct,includingdefinitionsimportantforunderstandingthelawandinformationrelatedtorequireddisclosures.
StudentswillalsoreviewprohibitedpracticesandinformationrelatedtotheSafeguardsRule.
56CourseCatalogforBanksFederalMortgageLaws(continued)DoNotCallImplementationAct15MIN.
TheDo-Not-CallImplementationActwassignedintolawin2003aspartofearlierlegislation—theTelemarketingConsumerFraudandAbusePreventionActandtheTelemarketingSalesRule.
TheDo-Not-CallImplementationActauthorizedtheFederalTradeCommission(FTC)toimplementandenforcetheDo-Not-CallRegistry.
UndertheoriginalprovisionsoftheTelemarketingAct,consumerswererequiredtorenewtheirentryintheregistryeveryfiveyears.
FollowingamendmentsmadebytheDo-Not-CallImprovementActof2007,phonenumbersaddedtotheregistrybecomepermanent.
ThiscourseprovidesanoverviewoftheDo-Not-Callprovisions,aswellasprohibitionsoftheTelemarketingSalesRule.
StudentswillalsohavetheopportunitytoenhancetheirunderstandingofthematerialthroughaDiscussionScenario.
MortgageFraudLawsAtAGlance15MIN.
TheFederalBureauofInvestigation(FBI)definesmortgagefraudastheintentionalfalsificationofthetruthinordertoinduceanotherpersontopartwithsomethingofvalueortosurrenderalegalrightasaresultofthefalsification.
Fraudthreatenstheoverallsoundnessoftheentiremortgagemarket,anditisacrimethatimpactsconsumersandindustryprofessionalsalike.
Thiscourseprovidesanoverviewofmortgagefraudlaws,includinganexplanationofFraudforProfitandFraudforHousing.
Thiscoursewillalsocoverfederallawsrelatingtomortgagefraudandwilldiscussthevarioustypesoffraud.
GeneralMortgageKnowledgeHistoryofMortgageLending15MIN.
Thehistoryofmortgagelendingthatisdirectlyrelevanttomortgageoriginationtodaydatesbacktotheearlytwentiethcentury.
Earlyon,lendingoccurredalmostentirelythroughdepositoryinstitutions.
Thetriggeringeventofthe1929lendingcrisiswasthestockmarketcrashthatledpanickeddepositorstowithdrawtheirmoneyfrombanks,leavinglenderswithnomoneytofundloans.
Inaddition,banksstruggledtocollectmortgagepayments,andmanyhomeownerslosttheirhomes.
Thiscourseprovidesanoverviewofthehistoryofmortgagelending,includinginformationrelatedtothecreationandexpansionofthesecondarymortgagemarketanditseffectonthegrowthofprivate-labelsecuritization.
Thiscoursewillalsodiscusstheeventsleadinguptothereturntomoretraditionallendingprogramsandproducts.
BasicLoanProducts45MIN.
Therearevariousmortgageprogramscurrentlyavailableintheindustry.
Generally,mortgagesmaybecategorizedasconventionalornon-conventional.
Non-conventionalmortgagesareinsuredorguaranteedbytheFederalHousingAdministration(FHA),theDepartmentofVeteransAffairs(VA),ortheRuralHousingService(RHS)oftheU.
S.
DepartmentofAgriculture(USDA),whileconventionalmortgagesarenot.
Conventionalmortgagesmaybeeitherconforming,meaningtheymeetloanlimitsandotherstandardstoqualifyforpurchasebyFannieMaeandFreddieMac,ortheymaybenon-conforming,meaningtheydonotmeetsuchstandards.
FHAloans,VAloans,andRHSloansarenon-conventionalloans.
Thiscourseprovidesanoverviewofbasicloanproducts,includingconformingandnon-conformingloans,aswellasFHA,VA,andRHSloans.
57GeneralMortgageKnowledge(continued)Guidances:AFederalReactiontoMortgageDownturn15MIN.
TheInteragencyGuidanceonNontraditionalMortgageProductRisksandtheStatementonSubprimeMortgageLendingweredevelopedbythefederalbankingregulatoryagenciesinresponsetothedeclineofthemortgagemarket.
Whiletheseguidancesdidnothavetheeffectoflaw,theywerevitaltore-establishingcommon-senselendingpractices.
Thestandardsoutlinedintheguidanceshavenowbeencodifiedinnewandrevisedmortgagelawsandregulationsaimedatensuringresponsiblelendingpractices.
Thiscourseprovidesanoverviewoftheguidances,includingthereasoningbehindtheirissuanceandtherecommendationscontainedwithineach.
Thiscoursewillalsodiscussthecurrentandfutureguidelines.
Fixed-RateMortgages15MIN.
Afixed-ratemortgageisoneinwhichtheinterestrateissetfromthetimetheloanisclosedanddoesnotchangeduringthelifeoftheloan.
Consequently,paymentamountsandtheloantermremainunchanged.
Fixed-ratemortgagesarethemostcommonloanproductintoday'smarketplace,specificallythe30-yearfixed-ratemortgage;infact,anyloanotherthana30-yearfixed-rateisconsiderednontraditionalunderfederalmortgagelendingstandards.
Thiscourseprovidesanoverviewoffixed-ratemortgages,includingprepaymentstrategiesandthevariousfixed-rateloansofferedbytheFHA,VA,andtheUSDA.
StudentswillalsohavetheopportunitytoenhancetheirunderstandingofthematerialthroughaDiscussionScenario.
Adjustable-RateMortgagesandNegativeAmortization15MIN.
Anadjustable-ratemortgage(ARM)isoneinwhichtheinterestratemaychangeoneormoretimesduringthelifeoftheloan.
Consequently,paymentamountsmaychange.
Adjustable-ratemortgagesarenotacommonloanproductintoday'smarketplace.
Thiscourseprovidesanoverviewofadjustable-ratemortgages,includinginformationrelatedtothecalculationofinterestrateincreasesforARMs,caps,andthevarioustypesofARMproducts.
StudentswillalsohavetheopportunitytoenhancetheirunderstandingofthematerialthroughaDiscussionScenario.
QualifiedMortgagesandOtherMortgageTypes30MIN.
OnJanuary10,2013,theConsumerFinancialProtectionBureau(CFPB)issuedtheAbilitytoRepay/QualifiedMortgageRule.
ThisRuleprovidesthatwhencreditorsmake"qualifiedmortgages,"theymaypresumethattheloanshavemettherequirementsforestablishingtheborrower'srepaymentability.
Sincethenewlawcreatesa"safeharbor"fromliabilityforloanoriginatorswhomakeloansthatmeetthecharacteristicsofaqualifiedmortgage,thereisincentiveforloanoriginatorstomakesuchloans.
Evenso,loanoriginatorsarepermittedtomakeothertypesofloansthatmaynotnecessarilymeettherequirementsofaqualifiedmortgage;however,suchloansarenotaspopularinthecurrentlendingenvironment.
Thiscourseprovidesanoverviewofqualifiedmortgages,aswellasothertypesofmortgages,suchasballoonmortgages,secondmortgages,homeequitylinesofcredit,constructionloans,bridgeloans,andreversemortgages.
StudentswillalsohavetheopportunitytoenhancetheirunderstandingofthematerialthroughaDiscussionScenario.
58CourseCatalogforBanksGeneralMortgageKnowledge(continued)LimitedandNo-IncomeVerificationLoans15MIN.
Duringthemortgagelendingboom,therewerenumerousnontraditionalmortgageproductsavailabletoconsumers,manyofwhichwereconsideredlimitedandnoincomeverificationloans.
TheseproductsarenolongerreadilyavailableduetothepassageoflawssuchastheAbilitytoRepayRule,whichrequiresdocumentationofaborrower'sabilitytorepayaloan.
Thiscourseprovidesanoverviewofinterest-onlyloans,aswellasthemostpopularlimitedandnoincomedocumentationloanproducts.
TheNewMortgageProductLandscapeandLoanTerms15MIN.
Asaresultofnewandamendedrulesandregulationswhichencouragefairlendingandconsumerprotection,manyoftheloanproductsformerlyavailableduringthemortgagelendingboomarenolongerpermittedorextremelylimitedinthenewmortgagemarketplace.
Inaddition,newproductshaveemergedandcertainotherexistingproductshavebecomemorepopular.
Inparticular,loanmodificationsandotherlossmitigationeffortsareahottopicintoday'smortgagelandscape.
Withsomanychangesoccurringinthelendingenvironment,itisessentialforindustryprofessionalstobefamiliarwiththevariousproductsinuse,aswellasthetermsusedintheoperationofthemortgagemarket.
Thiscourseprovidesanoverviewofthenewmortgageproductlandscape,includingthefocusonlossmitigationandthevariousoptionsavailabletoborrowerswhoarefacingdefaultandforeclosure.
Thiscoursewillalsoprovideareviewofvariousindustryterms.
MortgageLoanOrigination(MLO)ActivitiesCompletingtheMortgageLoanApplication30MIN.
TheUniformResidentialLoanApplication(Form1003)isthestandardformusedbyloanapplicantsapplyingforamortgage.
Applicantsmustpresentdocumentationtoshowtheveracityoftheinformationprovidedintheapplication.
Bothloanapplicantsandthoseassistingapplicantsincompletionofthe1003,suchasmortgagelenders,brokers,andloanoriginators,havelegalandethicalresponsibilities.
The1003isafairlyextensivedocumentandisusedtocompileabroadrangeofpersonalinformation,sounderstandingeachsectionoftheformisvital.
ThiscourseprovidesanoverviewofeachsectionoftheUniformResidentialLoanApplication,includinggraphicstoenhanceunderstanding.
Thiscoursewillalsodiscussthedocumentationrequiredtosupportinformationdisclosedontheapplication.
SuitabilityofProductsandPrograms15MIN.
Loansuitabilityisthediligentmatchingofloanprogramswiththefinancialcircumstancesofconsumers.
Asaresultoftheemphasisonfairlendingandconsumerprotection,asevidencedbytherecentpassageofrulesbytheConsumerFinancialProtectionBureau(CFPB),loansuitabilityhasbecomemoreimportantinthecurrentlendingenvironment,althoughithasproventobeasourceofdebateamongindustryprofessionalsandstateandfederallegislators.
Inordertoensurethatloanapplicantsarematchedwithappropriateloanproducts,mortgageprofessionalsmustassesstherepaymentabilityofpotentialborrowersand,insomecases,mustverifythattheyhavecompletedcounselingpriortoobtainingcertaintypesofloans.
Thiscourseprovidesanoverviewofloansuitability,includinghownewlegislationhaschangedtherequirementsformortgageprofessionalsandtheirresponsibilitiestotheircustomers.
Thiscoursewillalsodiscusstherequirementsrelatedtofinancialandhomeownershipcounseling.
59MortgageLoanOrigination(MLO)Activities(continued)PurposesofDisclosures15MIN.
Providingdisclosurestoconsumersisessentialinensuringtheystayinformedthroughouttheloanprocess.
Disclosuresservevariouspurposesandarerequiredatdifferenttimes.
Somedisclosuresareintendedtoeducateconsumers,particularlywhenriskylendingtermsareinvolved,whileothersaremeanttoinformconsumersaboutspecificinformationregardingtheloantheyhavealreadyobtainedortheloantheyareabouttoobtain.
Stillotherdisclosuresalertconsumersofcertainrightstowhichtheymaybeentitled.
Regardlessoftheirintention,disclosuresarecloselyregulatedbystateandfederallaw,andthosemortgageprofessionalsthatdonotadheretodisclosurerequirementsarelikelytofaceenforcementaction.
Thiscourseprovidesanoverviewofdisclosuresrequiredthroughouttheloanprocess,includingthosedisclosuresintendedtoinformconsumersaboutcertaininformationrelatedtotheirloan,aswellasdisclosuresintendedtoinformconsumersofcertainrights.
Qualification:Processing&UnderwritingPartI(BorrowerAnalysis)15MIN.
Theprocessofensuringanapplicantisqualifiedforaloanbeginswithanalyzingtheborrower'sassetsandliabilities,income,credit,andothercharacteristicsrelatedtohis/herfinancialcondition.
Inordertodeterminewhetheranapplicantisfit,variouscalculationsmayneedtobeperformed,specificallythoserelatedtothepotentialborrower'sincome,whichwillvarydependinguponwhethertheapplicantisself-employedorasalaried,hourly,orcommissionedemployee.
Alsoessentialtoassessingaloanapplicant'ssuitabilityforaloanisanexaminationofhis/hercreditreport.
Thiscourseprovidesanoverviewoftheanalysisperformedinordertodeterminewhetheraloanapplicantisfitforaloan,whichincludesareviewofhis/herincome,assets,andliabilities.
Thiscoursewillreviewincomecalculations,includingexamples,aswellasdetailedinformationrelatingtothecreditreport.
StudentswillalsohavetheopportunitytoenhancetheirunderstandingofthematerialthroughaDiscussionScenario.
Qualification:Processing&UnderwritingPartII(QualifyingRatios)15MIN.
Theprocessofensuringanapplicantisqualifiedforaloanbeginswithanalyzingtheborrower'sassetsandliabilities,income,credit,andothercharacteristicsrelatedtohis/herfinancialcondition.
Oncetheinitialinformationisobtained,thelenderwillusevariousformulastodeterminetheamountforwhichtheborrowerwillqualify.
Suchformulaswillensurethattheborrowerismatchedwithanappropriateproductforhis/herfinancialconditionsothattheloanislikelytoberepaidinaccordancewiththetermsofthelendingagreement.
Thiscourseprovidesanoverviewofqualifyingratios,includingthefrontendratio,thebackendratio,theloan-to-valueratio,thecombinedloan-to-valueratio,andthehighloan-to-valueratio.
Studentswillhaveanopportunitytoreviewanexampleofeachcalculationpresented.
Qualification:Processing&UnderwritingPartIII15MIN.
(CommitmentsandUnderwriting)Underwritingistheprocessofevaluatingaloanapplicant'sfinancialinformationandfactsabouttherealestateusedtosecurealoantodeterminewhetherapotentialloanisanacceptableriskforalender.
Lendershaveunderwritingdepartmentswhichareresponsiblefordeterminingwhethertheapplicantmeetsthelender'sestablishedloanprogramrequirements.
Anunderwriter'sprincipalresponsibilityistoensurethattheproposedloanmeetstherequirementssetforthbythelenderorinvestorwhowillpurchasethemortgage.
Thiscourseprovidesanoverviewofcommitmentsandunderwriting,includinginformationrelatedtocredit,incomeanalysis,assets,thesubjectpropertycollateral,andrequireddocumentationandverification.
Studentswillalsohavetheopportunitytoreviewcommonunderwritingpitfallstoavoid.
60CourseCatalogforBanksMortgageLoanOrigination(MLO)ActivitiesAbility-to-Repay/QualifiedMortgageRule15MIN.
Inearly2013,theCFPBannouncedanumberofchangestofederalrulesgoverningthemortgageindustry.
OneofthemostanticipatedrulesissuedwastheAbility-to-Repay/QualifiedMortgageRule,whichsetsoutnewstandardsforconsideringborrowerrepaymentabilityandcreatesprotectionsforqualifiedmortgages.
InordertomeetthestandardsoutlinedundertheRule,acreditormustmakeareasonable,goodfaithdeterminationthattheconsumerhastheabilitytorepaytheloanforwhichhe/shehasapplied.
Thisassessmentmustbebasedonreasonablyreliablethird-partyrecords.
ThiscourseprovidesanoverviewoftheAbility-to-Repay/QualifiedMortgageRule,includingtherequirementsforcreditorsinverifyingthataborrowerhastheabilitytorepayhis/herloan.
TheImportanceofAppraisals15MIN.
Becausethecollateralforamortgageloanisthesubjectproperty,theappraisedvalueofthepropertyisanimportantconsiderationinloanapproval.
Thelendermusthaveahighlevelofconfidenceinthedocumentationpresentedbytheappraiser.
Itisessentialforappraisalstobeaccurate,andovervaluationisasignificantproblemintheindustry.
Thiscourseprovidesanoverviewoftheappraisalprocess,includingalookattheUniformResidentialAppraisalReportandthevariousapproachesusedbyappraisersinevaluatingproperty.
MortgageTitle&Insurance15MIN.
Titleinsuranceisdefinedasan"agreementtoindemnifyagainstlossarisingfromadefectintitletorealproperty,usuallyissuedtothebuyerofthepropertybythetitlecompanythatconductedthetitlesearch.
"Lendersrequiretitleinsuranceinordertoprotectthemselvesfromrisksthatarisewhensecuringaloanwithaproperty.
Thiscourseprovidesanoverviewoftitleinsurance,includingthevarioustypes,stepsinthetitleprocess,andinformationrelatedtoliens.
Thiscoursewillalsoreviewhazard,flood,andmortgageinsurance.
SpecificProgramGuidelines:FHA,VA,USDA15MIN.
Theprogramguidelinesfornon-conventionalloans,includingloansofferedthroughtheFederalHousingAdministration(FHA),theDepartmentofVeteransAffairs(VA),andtheUnitedStatesDepartmentofAgriculture(USDA),varydependingonthetypeofloan.
Forexample,theFHArequiresborrowerstomakea3.
5%downpayment,whiletheVArequiresafundingfee.
ThiscourseprovidesanoverviewofthespecificprogramguidelinesoftheFHA,VA,andUSDA,includingstandardsrelatedtodownpayment,insurance,loanlimits,anddebtratios.
TheClosingProcess15MIN.
Onceallloanandtitleconditionshavebeensatisfied,closingmaybescheduled.
Itisvitalthatallofthepartiestothetransactionknowthetime,date,andlocationoftheloanclosing.
Thefirststepinthepost-closingprocessisfunding,andoncethefileisreturnedtothelenderbytheclosingagent,loanservicingbegins.
Thiscourseprovidesanoverviewoftheclosingandpost-closingprocesses,includinginformationrelatedtotitleandtitleinsurance,thedutiesoftheclosingagent,rescission,funding,andservicing.
FinancialCalculationsUsedinMortgageLending30MIN.
Financialcalculationsareanimportantcomponentofloanorigination.
Whilemanymortgageprofessionalsrelyonafinancial/mortgagecalculatorororiginationsoftwaretoperformcommonfunctionssuchasloan-to-valuecomputations,understandingthebasicprincipleofaparticularcomputationisessential.
Thiscourseprovidesanoverviewofthemostwidelyusedfinancialcalculationsinthemortgagelendingprocess,includingcalculationsrelatedtoperiodicinterest,interestperdiem,taxes,mortgageinsurance,downpayment,loan-to-value,debt-to-income,andbuy-downs.
61EthicsEthics—FederalLawApplicability45MIN.
Federalmortgagelawsareinplacetoensureindustryprofessionalsactfairlyandethicallythroughouttheloanprocess.
Certainlendingpracticesarespecificallyprohibitedinordertopromoteethicallending.
FederallawsthatareofparticularimportanceinthediscussionofethicalconsiderationsincludetheRealEstateSettlementProceduresAct,theTruth-in-LendingAct,theGramm-Leach-BlileyAct,theEqualCreditOpportunityAct,andtheFairHousingAct.
Thiscourseprovidesanoverviewoftheethicalissuesaddressedinfederallendinglawsanddescribesthestatutoryprovisionsthatareintendedtocurbunethicalpractices.
StudentswillalsohavetheopportunitytoenhancetheirunderstandingofthematerialthroughaDiscussionScenario.
Ethics—MortgageFraudandConsumerProtection30MIN.
TheFederalBureauofInvestigation(FBI)definesmortgagefraudastheintentionalfalsificationofthetruthinordertoinduceanotherpersontopartwithsomethingofvalueortosurrenderalegalrightasaresultofthefalsification.
Costingthemortgageindustrybillionsofdollarseachyear,fraudthreatenstheoverallsoundnessoftheentiremortgagemarket.
Itisacrimethatimpactsmortgagelenders,insurers,purchasers,andotherindustryplayers.
Oftenreferredtoasthefastestgrowingwhitecollarcrimeandasaproblemofepidemicproportions,mortgagefraudisreceivingincreasingattentionfromtheFBI,theInternalRevenueService(IRS),theDepartmentofHousingandUrbanDevelopment(HUD),andfromfederalandstatelegislators.
Thiscourseprovidesanoverviewofthevarioustypesofmortgagefraud,aswellastechniquesusedindetectingfraud.
StudentswillalsohavetheopportunitytoenhancetheirunderstandingofthematerialthroughaDiscussionScenario.
EthicalStandardsandIndustryBehaviors30MIN.
Ethicsplaysasignificantroleinthemortgagelendingindustry.
Theethicalbehaviorofprofessionalorganizations,thirdpartyserviceproviders,consumers,mortgagebrokers,loanoriginators,andloanprocessorsmustbeconsideredthroughouttheloanprocessandbeyond.
Thiscourseprovidesanoverviewofethicsasitpertainstoindustryplayers,aswellasconsumers.
StudentswillhavetheopportunitytoenhancetheirunderstandingofthematerialthroughaDiscussionScenario.
Ethics,DisclosureandAppraisal15MIN.
Disclosuresservevariouspurposesandarerequiredatdifferenttimesthroughouttheloanprocess.
Providingdisclosurestoconsumersisessentialinensuringtheystayinformed.
Inaddition,appraisalsareanimportantconsiderationinloanapproval.
Thelendermusthaveahighlevelofconfidenceinthedocumentationpresentedbytheappraiser.
Itisessentialforbothdisclosuresandappraisalstobetimelyandaccurate.
Thiscourseprovidesanoverviewofethicsasitpertainstodisclosuresandappraisals,specificallytheobligationsandprohibitionsrelatedtoboth.
StudentswillhavetheopportunitytoenhancetheirunderstandingofthematerialthroughaDiscussionScenario.
AdditionalMortgageCoursesAML&SARforMortgageLendersandOriginators60MIN.
Undertheexpandedmoneylaundering(AML)andsuspiciousactivityreport(SAR)finalrulethattookeffectinAugust2012,mortgagelendersandoriginatorsarenowsubjecttoAMLandsuspiciousactivityregulations.
Inthiscourse,studentswilllearnaboutthemoney-launderingprocess,keyAMLlegislation,money-launderingprevention,andSARfilingrequirements.
Uponcompletion,studentswillbeabletodiscusstheimpactofmoneylaunderingontheeconomy,governmentandfinancialinstitutions;identifymoney-launderingprocesses,methodsandtactics;anddescribetheirspecificorganization'sAMLresponsibilities,includingSARfilingrequirements.
62CourseCatalogforBanksContinuingEducation:CoursesApprovedbytheInstituteofCertifiedBankers(ICB)CoursesfeaturedonthefollowingpagesareapprovedbytheInstituteofCertifiedBankers(ICB)forthelistednumberofcreditsanddesignations.
Thisstatementshouldnotbeviewedasanendorsementofthisprogramoritssponsor.
Creditapprovalsarebasedontheprogram'srelevancetotheICBexaminationoutlines,andcannotbeclaimedunlessapassinggradeandcertificateofcompletionareawardedforeachcourse.
Onecreditisawardedforevery50minutesofrelevantinstruction.
DesignationKeyCTFACertifiedTrustandFinancialAdvisorCRCMCertifiedRegulatoryComplianceManagerCSOPCertifiedSecuritiesOperationsProfessionalCISPCertifiedIRAServicesProfessionalCRSPCertifiedRetirementServicesProfessionalCCTSCertifiedCorporateTrustSpecialistCLBBCertifiedLender-BusinessBankerCFSSPCertifiedFinancialSecurityServicesProfessionalCFMPCertifiedFinancialMarketingProfessionalCourseTitleCreditsDesignationAcceptingNegotiableInstruments2CFSSP,CRCMAdvertisingCompliance1.
25CFMP,CRCMAffiliateTransactions—RegulationW1.
25CRCMAML&SARforMortgageLendersandOriginators1.
25CRCMAMLforCustomerServiceRepresentatives1.
25CRCMAMLforDirectorsandSeniorManagement1.
25CFSSP,CRCMAMLforLenders1.
25CRCM,CLBBAMLforOperations1.
25CFSSP,CRCMAMLforTellers1.
25CRCMAML:WhatArePEPs0.
5CFSSP,CRCMAnti-MoneyLaundering(AML)1.
25CFSSP,CRCMAnti-TerrorismOverview2CFSSP,CRCMAnti-TyingRestrictions1.
25CRCM,CCTS,CSOPBankBriberyAmendmentsAct0.
5CFSSP,CRCMBankBroker/DealerExemptions—RegulationR2CRCM,CSOP,CCTS,CRSP,CTFA-FIDBankSecrecyAct(BSA)1.
25CLBB,CCTS,CISP,CRSP,CSOP,CFSSP,CRCM,CTFA-FIDBSAforCustomerServiceRepresentatives1.
25CRCMBSAforDirectorsandSeniorManagement0.
5CFSSP,CRCMBSAforLenders1.
25CLBBBSAforOperations1.
25CFSSP,CRCM,CSOPBSAforTellers1.
25CRCMBSA/AMLTrust1.
25CFSSP,CCTS,CSOP,CTFA-FID63CourseTitleCreditsDesignationCheck21ActOverview1.
25CFSSP,CRCMCommercialComplianceOverview2.
5CRCM,CLBBCommunityReinvestmentActforInt.
Institutions1.
25CRCM,CLBBCommunityReinvestmentActforLargeInstitutions1.
25CRCM,CLBBCommunityReinvestmentActforSmallInstitutions1.
25CRCM,CLBBConsumerLeasingAct—RegulationM1.
25CRCM,CLBBCurrencyTransactionReporting1.
25CRCMCustomerandEnhancedDueDil.
(CDD/EDD)0.
5CFSSP,CRCMCustomerIdentificationProgram(CIP)2CRCM,CSOP,CCTS,CFSSP,CTFA-FID,CRSPDepositComplianceOverview2CRCMEducationSavingsAccounts1.
25CRSP;CTFA;FPElderFinancialAbuse1.
25CRCM,CSOP,CRSP,CFSSP,CTFA-FIDElectronicFundsTransferAct—RegE1.
25CFSSP,CRCM,CSOPEqualCreditOpportunityAct—RegB1.
25CRCM,CLBBExpeditedFundsAvailabilityAct—RegCC1.
25CRCMFairandAccurateCreditTransactionAct(FACTA)Over.
2CFSSP,CRCMFairCreditReportingAct(FCRA)1.
25CRCMFairDebtCollectionPracticesAct(FDCPA)1.
25CRCMFairHousingAct0.
5CRCMFairLendingOverview2CRCM,CLBBFederalDepositInsuranceCorporation(FDIC)2CRCM,CSOPFederalRegulationofRealEstateAppraisals1.
25CLBBFedwire—RegulationJ1CRCM,CSOPFloodInsurance1.
25CRCM,CLBBForeignCorruptPracticesAct0.
5CFSSP,CRCMGLBPrivacyAct(NoOpt-Out)1.
25CRCM,CSOP,CFMP,CCTS,CLBB,CRSP,CTFA-FIDGLBPrivacyAct(Opt-out)1.
25CRCM,CSOP,CFMP,CCTS,CLBB,CRSP,CTFA-FID,CISPHighCostMortgages1.
25CRCMHomeEquity1.
25CRCMHomeMortgageDisclosureAct—RegC1.
25CRCMIntroductiontoComplianceforTellers1.
25CRCMIntroductiontoCreditCardRegulations2CRCM,CSOPIRABeneficiaryOptions2CISPCRSP;CFTA;FPIRAContributions2CISP;CRSP;CTFA;FPIRADistributions2.
5CISP;CRSP;CTFA;FPIRARequiredMinimumDistributions1.
25CISP;CRSP;CTFA;FPIRARollovers,Transfers&DirectRollovers2CISP;CRSP;CTFA;FP64CourseCatalogforBanksCourseTitleCreditsDesignationLoanstoExecutiveOfficers—RegulationO1.
25CRCM,CLBBNationalBankTrustActivities(12CFRPart9)1.
25CCTS,CSOP,CRSP,CTFA-FIDOfficeofForeignAssetsControl(OFAC)1.
25CFSSP,CRCM,CSOP,CCTSPretextCallingandIdentityTheft1.
25CCTS;CFSSP;CRCM;CSOPProvidingServicetoCustomerswithDisabilities1.
25CRCMRothIRA1.
25CISP;CRSP;CSOP;CTFA;FPSarbanes-OxleyActOverview1.
25CCTS,CSOP,CTFA-FIDRealEstateSettlementProceduresAct—RegX1.
25CRCMRedFlagsofIdentityTheft1CFSSP;CRCMReserveRequirements—RegulationD2CRCM,CSOPResidentialMortgage123—MortgageProcess2CRCMResidentialMortgageA-B-C—MortgageRegulations2CRCMReverseMortgage1.
25CRCMRighttoFinancialPrivacyAct(RFPA)0.
5CRCMRothIRA1.
25CISP;CRSP;CSOP;CTFA;FPSecurityofCustomerInformation1CCTS;CFSSP;CRCM;CSOP;CTFA;FIDSecondLienRealEstateMortgageLoans1.
25CRCMServicemembersCivilReliefAct(SCRA)1.
25CRCMSimpleIRABasics2CISP;CRSP;CTFA;FPSimplifiedEmployeePensionPlans2CISP;CRSP;CTFA;FPSubprimeandPredatoryLending1.
25CRCMSuspiciousActivityReporting1.
25CFSSP,CRCM,CCTS,CSOP,CTFA-FIDSweepAccountDisclosureRequirements0.
5CRCM,CSOPTheS.
A.
F.
E.
Act0.
5CRCMTraditionalIRAOverview1.
25CISP;CRSP;CTFA;FPTrustLawBasics0.
5CCTS;CRSP;CSOP;CTFA;FIDTrustServices1.
25CCTS;CISP;CSOP;CTFA;FIDTruthinLendingAct—RegZ1.
25CRCMTruthinSavingsAct—RegDD1.
25CRCMUnfair,DeceptiveorAbusiveActsorPractices1.
25CRCM(UDAAP)Unfair,DeceptiveorAbusiveActsorPractices1.
25CRCM(UDAAP)fortheFinancialInstitutionUnlawfulInternetGambling—RegulationGG0.
5CRCMTILA—OpenEndLoans/CreditCards0.
5CRCM,CLBBTILA—UnsecuredOpen-EndLoans0.
5CRCM,CLBBTILA—InstallmentLoans—Non-RealEstateSecured0.
5CRCM,CLBBTILA—HomeEquityLinesofCredit(HELOC)0.
5CRCMTILA—Closed-EndResidentialRealEstateLoans0.
5CRCMTILA—BeyondBasics—CertainHomeMort.
Loans0.
5CRCM65RecommendedCurriculumsbyRole66CourseCatalogforBanksMortgageLendersBankersEdgenowoffersanexpandedMortgageLendingcurriculum,comprisedof44coursesthatallfeatureNationwideMortgageLicensingSystem(NMLS)-approvedcontentprovidedbyourpartner,TrainingPro—thenationalleaderinmortgageeducation.
Targettrainingobjectivesinclude:nBuildbasicloanfundamentalsskillsnExploreethicsandfairlendingconceptsnGaininsightintonontraditionalmortgages,includingfixed-rateproducts,ARMsandIOsnBroadenknowledgeoffederallawsincludingRESPA,TILAandS.
A.
F.
E.
RealEstateSettlementProceduresActPartIRealEstateSettlementProceduresActPartIIEqualCreditOpportunityActIntroductiontotheTruthinLendingActTILAAdvertising&RighttoRescissionTILADisclosureRequirementsHomeOwnershipandEquityProtectionActRegulationsforHigher-PricedMortgagesALookattheHomeownersProtectionActSecureandFairEnforcementAct(SAFE)HomeMortgageDisclosureActFCRA&FACTATheRedFlagRulesIntroductiontotheDoddFrankActMortgageAssistanceReliefServices(MARSRule)IntroductiontotheUSAPatriotActIntroductiontotheGramm-Leach-BlileyActDoNotCallImplementationActMortgageFraudLawsataGlanceHistoryofMortgageLendingBasicLoanProductsGuidances:AFederalReactiontoMortgageDownturnFixedRateMortgagesAdjustableRateMortgagesandNegativeAmortizationQualifiedMortgagesandOtherMortgageTypesLimitedandNo-IncomeVerificationLoansTheNewMortgageProductLandscapeandLoanTermsCompletingtheMortgageLoanApplicationSuitabilityofProductsandProgramsPurposesofDisclosuresQualification:Processing&UnderwritingPartI(BorrowerAnalysis)Qualification:Processing&UnderwritingPartII(QualifyingRatios)Qualification:Processing&UnderwritingPartIII(CommitmentsandUnderwriting)Ability-to-Repay/QualifiedMortgageRuleTheImportanceofAppraisalsMortgageTitle&InsuranceSpecificProgramGuidelines:FHA,VA,USDATheClosingProcessFinancialCalculationsUsedinMortgageLendingEthics—FederalLawApplicabilityEthics—MortgageFraudandConsumerProtectionEthicalStandardsandIndustryBehaviorsEthics,DisclosureandAppraisalAML&SARforMortgageLendersandOriginators67ProfessionalTellersDrawingonouryearsofexperiencebuildingtellertraining,BankersEdgehasdesignedacomprehensivecurriculumthatfeaturesthebankingbasicsnewbanktellersneed,yetalsoincludesrefreshercoursesformorepracticedemployees.
Targettrainingobjectivesinclude:nExplorelegalfoundationsandcomplianceregulationsthatsupportethicalbankingbehaviornPrepareforsecuritythreatsnExpandbasiccheck-cashingandcheck-acceptanceknowledgenGettipsonhowtodeteridentitytheftAcceptingNegotiableInstrumentsAddingValueThroughCross-SellingAddingValueThroughUp-SellingAdvertisingComplianceBombThreatsandOtherSecurityIssuesCash-DrawerBalancingCheck21ActOverviewDepositsandWithdrawalsEthicsforBankersExpeditedFundsAvailabilityAct—RegulationCCIntroductiontoComplianceforTellersMoneyHandlingPretextCallingandIdentityTheftReserveRequirements—RegulationsDandQSafeDepositBoxes68CourseCatalogforBanksManagementandSupervisorsGearedtoneworexperiencedleaderswhosuperviseteamsormanageprocesses,thecoursesinthisseriescovertopicsrangingfromfinancialservicesfundamentalstodiversitycomplianceandconflictresolution.
Targettrainingobjectivesinclude:nFindouthowtoconducthigh-impact,low-stressreviewsnLearntoleverageconflicttosolveproblemsandachievepositiveresultsnGainproject-managementandmeeting-facilitationskillsnExplorestrategiesforleadingteamsthroughorganizationalchangeAddingValueThroughCross-SellingAddingValueThroughUp-SellingBecomingaCoach:BringingOuttheBestinEmployeesBecomingaLeader:CommunicationTechniquesthatMotivate,GuideandInspireEmployeestoExcelBusinessWritingCoachingandFeedbackConductingHigh-Impact,Low-StressPerformanceReviewConvenienceProductsandServicesDepositComplianceOverviewDepositProductsDiscriminationforManagersEmployeeswithDisabilitiesforManagersEthicsforBankersFundamentalsofBankingI—TheBankingSystemFundamentalsofBankingII—TheBankingInstitutionHandlingConflictHarassmentforManagersHowtoLeadandParticipateEffectivelyinMeetingsIntroductiontoManagementBasicsIntroductiontoProjectManagementConceptsLeadingPeopleThroughChangeMaketheConnection:HowtoBeEffectiveandProductiveonthePhoneMotivatingEmployeesDuringOrganizationalChangeSexualHarassmentforSupervisorsandManagers69PersonalBankersDesignedforbankorcreditunionemployeeswhoopen,maintainandcloseaccounts,thesecoursesgobeyondthebasicsandexaminepersonalaccountsrangingfromAtoZ—includingIRAs,HSAsandSEPplans.
Targettrainingobjectivesinclude:nGainabetterunderstandingoffederalcreditcardlawsandregulationsnDemystifySimplifiedEmployeePension(SEP)plansnLearnhowtoestablishatraditionalIRA,andbecomefamiliarwithcontributionanddistributionrulesandpenaltiesnBecomemoreknowledgeableaboutHealthSavingsAccounts(HSAs)ConsumerLeasingAct—RegulationMDepositComplianceOverviewElderFinancialAbuseElectronicFundsTransferAct—RegulationEFairDebtCollectionPracticesAct(FDCPA)HealthSavingsAccounts(HSA)IntroductiontoCreditCardRegulationsExcessIRAContributionsIRABeneficiaryOptionsIRAContributionsIRADistributionsIRARollovers,TransfersandDirectRolloversNewAccountIDProcedures(CA-Specific)ReserveRequirements—RegulationsDandQRothIRAOverviewSafeDepositBoxesSIMPLEIRABasicsSimplifiedEmployeePension(SEP)PlansTraditionalIRAOverviewTrustLawBasicsTrustServicesTruthinSavingsAct—RegulationDD70CourseCatalogforBanksGeneralBankersandTrainersFinancialservicesemployeesacrossalllevelswillbenefitfromthisseries.
Fromprivacylawstoidentitytheft,thesecoursescoverthekeycompetenciesthatanyoneservingthepubliconbehalfofafinancialservicesinstitutionneedstomaster.
Targettrainingobjectivesinclude:nLearnaboutbestpracticesforcomplianttransactionsnDiscovermoney-launderingpreventionstrategiesnGettipsabouthowtohandlerobberysituationsnExploreRighttoFinancialPrivacyActrequirementsAnti-MoneyLaundering(AML)BankSecrecyAct(BSA)Anti-BoycottRestrictionsBombThreatsandOtherSecurityIssuesCustomerIdentificationProgram(CIP)ConvenienceProductsandServicesElectronicFundsTransferAct—RegulationEExpeditedFundsAvailabilityAct—RegulationCCFairandAccurateCreditTransactionsAct(FACTA)FederalDepositInsuranceCorporation(FDIC)FundamentalsofBankingI––TheBankingSystemFundamentalsofBankingII––TheBankingInstitutionGramm-Leach-Bliley(GLB)PrivacyActOfficeofForeignAssetsControl(OFAC)RedFlagsofIdentityTheftRighttoFinancialPrivacyAct(RFPA)RobberiesSecurityofCustomerInformationGuidelines71RecommendedCurriculumsbyInterestArea72CourseCatalogforBanksAnti-MoneyLaundering(AML)Overthelastyear,money-launderingcrimessiphonedanestimated$1.
3trillionoutoftheglobaleconomy.
Inlightofthisstaggeringstatistic,theresultingstringentlegislationisunderstandable.
Anti-MoneyLaundering(AML)complianceranksasoneofthemostchallengingissuesforbanks.
TheBankersEdgeAnti-MoneyLaunderingcurriculumtakestheguessworkoutofthisincreasinglyintricatelegislation.
Comprisedofthreecomponents,thecurriculumincludes:nJob-specificAMLtracksnRelatedcasestudiesnSuggestedcourses"BankersEdgecourseshelpusachievefundamentalBSAandAMLtrainingobjectives,whileensuringemployeeaccountability.
Excellent!
"—CustomerSatisfactionSurvey73Job-SpecificAMLTracksCoursesintheBankersEdgeJob-SpecificAMLTracktargetspecificskillsets,andofferamorefocused,refinedtrainingexperience.
Eachjob-specifictrackfeaturestraditional-lengthcoursesaugmentedby15-minutecasestudiestailoredforeachrole.
Thecasestudiesserveasscenario-drivenrole-playingexercises,whereemployeesmayapplywhattheyhavelearnedbyparticipatinginreal-worldexamples.
AMLTrackTheAMLTrackiscomprisedoffivecoursesthatserveasthecoreAMLcurriculum.
RoundoutyourAMLtrainingprogrambyaddingthejob-specificcoursesthatfollow.
Anti-MoneyLaunderingLearnaboutthebasicmethodsusedbycriminalstolaundermoney.
BankSecrecyActThiswell-roundedcourseintroducesallnewbankemployeestotheconceptsandprinciplesoftheBankSecrecyAct(BSA).
CurrencyTransactionReportingExploreCurrencyTransactionReporting(CTR)requirements,andapoint-by-pointguidetosubmittingareport.
SuspiciousActivityReportingReviewcustomeridentificationandtypesofsuspiciousactivity;alsolearnhowtosubmitareport.
WhatarePEPsThismodulesummarizesthethreatofmoney-launderingwithafocusonthePoliticallyExposedPerson(PEP).
ExploretheriskspresentedbyPEPs,andapplyknowledgelearnedinarecentexample-drivencasestudy.
74CourseCatalogforBanksTellerTrackAMLforTellers60MIN.
Learntoidentifypossiblemoney-launderingattemptsandexploremethodstellerscanusetohelppreventmoney-launderingfromoccurringattheirbank.
Thiscoursealsocoversthekeycomponentsofafinancialinstitution'sAMLpolicy.
Whoshouldtakethiscourse:Bankemployeeswhofacilitatetypicaltellerwindowtransactions,suchas:nHandledepositsandwithdrawalsfromdepositaccountsnReceivepaymentsonloanaccountsnMaketransfersfromaccounttoaccountnSellcashier'sandteller'schecksnAssistwithbalanceinquiriesTellerswhoareresponsibleforopeningdepositorloanaccounts,orassistingwithfundstransfersshouldalsotakeAMLforCustomerServiceRepresentativesorAMLforLenders.
CaseStudiesDoYouHave30$100sFor150$20s15MIN.
Seewhyacustomer'sfrequentrequesttoexchangelargequantitiesofsmallerdenominationbillsforlargedenominationbillsmaybeconsideredsuspicious.
LittleBlueMen15MIN.
Numerousdepositsintoanaccountbymultiplepersonsotherthantheaccountholdercouldsignalsuspiciousbehavior.
Martino'sTavern&Bank15MIN.
Findoutwhyunlicensedcheckcashingthroughacustomer'saccountmaybedetected.
You'reintheMoney15MIN.
Discoverwhyacustomer'sunexplained,suddenwealthmaybequestionable.
WonderConstruction15MIN.
Seewhytheunexplainedandunexpectedpurchaseanddepositofmoneyordersshouldbeconsideredsuspicious.
75LenderTrackAMLforLenders60MIN.
Learntoidentifypossiblemoney-launderingattempts,andintroducemethodslenderscanusetohelppreventmoney-launderingfromoccurringatyourbank.
Also,explorethekeycomponentsofafinancialinstitution'sAMLpolicy.
Whoshouldtakethiscourse:Loanofficerswhodonotacceptpaymentsonloanaccounts,butwhoprimarily:nReviewloanapplicationsandaccompanyingdocumentation,nOpenloanaccountsnAnswerquestionsfromloanapplicantsandborrowersnCompilecustomeridentificationinformationCaseStudiesCollateral15MIN.
SeewhyacustomerrequestingalargeloansecuredbyCDsmaybecauseforconcern.
DidYouDotheseYourself15MIN.
Explorewhycustomerspresentingfinancialsthathavenotbeenpreparedprofessionallyshouldraisearedflag.
I'veGotFriendsinHighPlaces!
15MIN.
Thiscasestudyillustrateshowacustomer'srequesttowireloanproceedstoawell-knownpoliticianwithnoknownbusinesspurposemaybeconsideredsuspicious.
TheFrenchConnection15MIN.
Findoutwhyacustomer'srequesttowireloanproceedsoutsidethecountrymaybesuspicious.
MeandMyShadow15MIN.
Seewhylendersmaywanttobewaryofcustomerswhorelyheavilyontheirlawyerswhenconductingbankingactivities.
76CourseCatalogforBanksOperationsTrackAMLforDirectors&SeniorManagers60MIN.
Gainabasicunderstandingofmoney-laundering,andseewhatafinancialinstitution'sobligationsareunderthelawtotrytopreventmoneylaundering.
Alsobrieflyexplorethepotentialforsoftwaretoassistwithaninstitution'santi-moneylaunderingefforts.
AMLforOperations60MIN.
Learnhowtoidentifypossiblemoney-launderingattemptsandintroducemethodstheycanusetohelppreventmoney-launderingfromoccurringatyourbank.
Thiscoursealsocoversthekeycomponentsofafinancialinstitution'sAMLpolicy.
Whoshouldtakethiscourse:Operationsemployeeswho:nHaveaccesstoacustomer'saccountrecordsonawiderscalethanaccessaffordedtootherbankemployeesnCheckreportsonsame-daytransactionsacrossdifferentbranchesandATMsBecauseoftheirbroaderaccesstoaccountrecords,theseemployeeshavetheopportunitytodetectcertaintypesoffraudthatotheremployeesmaynotbeabletodetect.
TheBSAresponsibilitiescoveredinthiscoursefocusonthosethatareintendedtodetectfraud.
CaseStudiesThePayOff15MIN.
Asuddenandlargepaymentorpayoffofaloanmaybeusedtointegrateillegalfunds,andshouldraisearedflag.
What'sMyLine15MIN.
Overpaymentofacreditlineorloanmaybeusedtointegrateillegalfunds;seewhysuchactivitymaybecauseforconcern.
WhatKindofLaunderingOperationAreYouRunning15MIN.
Duringloanservicing,asuspicioustransactionhistorymaybeuncoveredandcouldindicatemoney-laundering.
Explorethewarningsignstowatchfor.
AMLOperationsSeriesWhoDoYouKnowintheCaymans15MIN.
Thiscasestudyillustrateshowrepeated,round-dollartransferstohigh-riskcountries,suchastheCaymanIslands,mayindicatepossiblemoney-laundering.
WireYou,WireMe15MIN.
Seehowwiretransferstoforeigncountrieswithanin-comingwireforthesameamountcloselyfollowingmayindicatepossiblemoney-laundering.
77CustomerServiceTrackAMLforCustomerServiceRepresentatives60MIN.
Learnhowtoidentifypossiblemoney-launderingattemptsandexploremethodstohelppreventmoney-launderingfromoccurringatyourfinancialinstitution.
Also,discoverkeycomponentsofafinancialinstitution'sAMLpolicy.
Whoshouldtakethiscourse:Customerservicerepresentativeswho:nOpendepositaccountsnFacilitatewiretransfersnFilloutcurrencytransactionreportsnDetectandreportsuspiciousactivitynSellcashier'sandteller'schecks,andothermonetaryinstrumentsAMLCustomerServiceRepresentativesSeriesCandelaisIndustries15MIN.
Exercisingduediligenceataccountopeningmayrevealsuspiciousactivity;findouthow.
CurrentonCurrencyTransactionReporting15MIN.
Seewhyacustomerwithanunusualknowledgeorinterestincurrencytransactionreportingmaybeconsideredsuspicious.
DoNotOpenUntil…15MIN.
Ifacustomerrefusestoprovidesufficientinformationupontryingtoopenaccount,discoverwhyyoushouldnotopenanaccount.
IsThereaMechanicintheHouse15MIN.
Explorehowduediligenceactivitiesmayrevealsuspiciousactivity.
TheTemporaryHoldingPattern15MIN.
Anincomingwireforthesameamountcloselyfollowingonanaccountwithlittleregularactivityotherthancurrencydepositsandwiretransferstoforeigncountriesmayindicatepossiblemoney-laundering.
Learnwhattowatchfor.
78CourseCatalogforBanksSuggestedCoursesThefollowingBankersEdgecoursessupportallofthejob-specifictracks:Anti-MoneyLaundering(AML)90MIN.
Thiscoursecoversbasicmethodsandtacticsusedbycriminalstolaundermoney,aswellasthekeycomponentsofanAMLpolicy.
Helpemployeesspotattemptedmoney-launderingandtakeappropriateactioninresponsetothiscriminalactivity.
BankSecrecyAct(BSA)90MIN.
ThiscourseintroducesemployeestotheBSA,akeypieceoflegislationthathelpstheU.
S.
combatmoney-launderingandotherillegalfinancialactivity.
Explorewhattypesofidentificationrequirementsandtransactionreportsarenecessarytohelpdetermoney-launderingatyourinstitution.
CurrencyTransactionReporting60MIN.
TheprimarypurposeoftheBSAistopreventanddetectmoney-launderingactivitythroughfinancialinstitutionsandcertainotherbusinessesintheUnitedStates.
Thiscoursefocusesonthecurrencytransactionreporting(CTR)requirementsoftheBSA.
SuspiciousActivityReporting60MIN.
TheBSAandotherAMLlawsrequirethatfinancialinstitutionsprovidethegovernmentwithinformationtohelpdetect,investigateandprosecutemoneylaunderers.
Specifically,thelawrequiresthatinstitutions:nProperlyidentifycustomerswhenestablishingaccountsnReportlargecurrencytransactionsnKeeprecordsofcashsalesofnegotiableinstrumentsnReportsuspiciousactivitiesThismodulefocusesonsuspiciousactivityreportingrequirements.
WhatarePEPs90MIN.
Intendedforcustomerservicerepresentatives,privatebankersandcommercialaccountmanagers,thismodulesummarizesthethreatofmoney-launderingwithafocusonpoliticallyexposedpersons(PEPs).
TheriskspresentedbyPEPsarediscussedalongwitharecentexampleasacasestudy.
RelatedCoursesFurtherenhanceyourcustomtrainingprogramwiththeserelatedBankersEdgecourses:Anti-TerrorismOverviewCustomerIdentificationProgram(CIP)EthicsforBankersFrauds&ScamsOfficeofForeignAssetsControl(OFAC)PretextCallingandIdentityTheftSecurityofCustomerInformation79BankSecrecyAct(BSA)Whetheryourbankisbigorsmall,BankSecrecyAct(BSA)complianceoftenfeelsoverwhelmingduetothecomplexitiesandrelatedprocessesandproceduressurroundingthisever-changinglegislation.
Inbuildingthecomprehensive24-courseBankersEdgeAnti-MoneyLaunderingcurriculum,wegroupedourBSAofferingsintojob-specifictracks,soemployeescantakeonlythecoursesthatpertaintothem.
Comprisedofthreecomponents,thecurriculumincludes:nJob-specificBSAtracksnRelatedcasestudiesnSuggestedcoursesBankersEdgeisthecornerstoneforyourannualBSAtraining.
TohelpyoubuildamoremanageableBSAtrainingprogram,werecommendthefollowingthree-yearplanforyourbank:nFirstYearBuildafoundationforyourinitialBSAtrainingfornewhiresandBSAtrainingforexistingemployeestomeettheannualtrainingrequirements.
nSecondYearCreateacurriculumfocusedonindividualjobresponsibilitieswithourjob-specificcourses.
Ourcoursesvaryinlengthandaresupportedbyaconstantlyevolvinglistofreal-worldcasestudies.
nThirdYearConstructatrainingplanfocusedonmeetingyourannualBSAtrainingrequirements.
ExploreournewBSAcourses,updatedcasestudiesandtopicalsubjects—alldesignedtofulfillyourBSAtrainingneeds.
"GreatBSA/AMLtraining!
Thecoursesareverycomplete,thorough,informativeanduser-friendly—andhavebeensatisfactorilyevaluatedbyregulatorsandauditors.
"—AML/BSAOfficer80CourseCatalogforBanksJob-SpecificBSATracksCoursesintheBankersEdgeJob-SpecificBSATrackstargetspecificskillsets,andofferamorefocused,refinedtrainingexperience.
Eachjob-specifictrackofferstraditional-lengthcoursesaugmentedby15-minutecasestudiestailoredforeachrole.
Thecasestudiesserveasscenario-drivenrole-playingexercises,whereemployeesapplywhattheyhavelearnedbyparticipatinginreal-worldexamples.
BSATrackComprisedofthreecorecourses,theflexibleBSAtrackprovidesanopportunityforyoutocreateacustomizedlearningexperiencebyaddingjob-specificcourses,supportingcoursesandcasestudies.
BankSecrecyActThiswell-roundedcourseintroducesallnewbankemployeestotheconceptsandprinciplesoftheBSA.
CurrencyTransactionReportingExploreCurrencyTransactionReporting(CTR)requirements,andapoint-by-pointguidetosubmittingareport.
SuspiciousActivityReportingReviewcustomeridentificationandtypesofsuspiciousactivity,alsolearnhowtosubmitareport.
81TellerTrackBSAforTellers60MIN.
TakeacloserlookattheBSA,importantlegislationthathelpstheU.
S.
combatmoney-launderingandotherillegalfinancialactivity.
Learnabouttheidentificationandtransactionreportingrequirementsnecessarytohelpdetermoney-launderingatyourbank.
Whoshouldtakethiscourse:Bankemployeeswhofacilitatetypicaltellerwindowtransactions,suchas:nHandledepositsandwithdrawalsfromdepositaccountsnReceivepaymentsonloanaccountsnMaketransfersfromaccounttoaccountnSellcashier'sandteller'schecksnAssistwithbalanceinquiriesCaseStudiesALittleKnowledgeisDangerous15MIN.
Thiscasestudypresentsacustomerwhobelieveshehasdiscoveredataxloopholeandattemptsto"structure"currencytransactionstoavoidthecurrencytransactionreportingrequirement.
BusinessisBooming15MIN.
Whywouldabusinesscheckingaccountcustomerwhoplanstodeposit$16,250.
28tohisaccountraisearedflagFindoutinthiscomprehensivecasestudy.
ConnecttheDots15MIN.
Exploreasuspiciousscenariowheremultiplecustomersworktogetherto"structure"acurrencytransactiontoavoidthereportingrequirement.
WhatAreFriendsFor15MIN.
Inthiscasestudy,acustomerstructurescurrencytransactionsbyhavinganexemptpersonmakethedeposittoavoidthecurrencytransactionreportingrequirement.
82CourseCatalogforBanksLenderTrackBSAforLenders60MIN.
LearnabouttheBankSecrecyAct(BSA),essentiallegislationthathelpstheU.
S.
combatmoney-launderingandotherillegalfinancialactivity.
Gainabetterunderstandingoftheidentificationandtransactionreportingrequirementsnecessarytohelpdetermoney-launderingatyourinstitution.
Whoshouldtakethiscourse:Loanofficerswhodonotacceptpaymentsonloanaccounts,butwhoprimarily:nReviewloanapplicationsandaccompanyingdocumentationnOpenloanaccountsnAnswerquestionsfromloanapplicantsandborrowersnCompilecustomeridentificationinformationCaseStudiesWhatCity,Please15MIN.
LoanofficersencountertheBSAprimarilythroughthecustomeridentificationrequirements.
Thiscaseillustratessomeofthecomplicationsinvolvedwhenacustomerislessthanforthcomingwithsomeinformation.
WhatWillTheyThinkofNext15MIN.
Althoughloansidesuspicioustransactionsmaynotbeascommonasthoserelatedtodeposit,loanofficersstillshouldbeawareofthedifferentkindsoffraudthatcanoccurinconnectionwithloans.
What'saLoanAmongFriends15MIN.
ViolationsoftheinsiderlendingrulescantriggertherequirementthatyoufileanSAR.
Walkthroughsuchascenariointhiscasestudy.
83OperationsTrackBSAforDirectors&SeniorManagement60MIN.
ReviewwhattheregulatoryagenciespromoteastheimportantBSAresponsibilitiesofdirectorsandseniormanagement.
ExploreanoverviewofBSArequirementsingeneral,soseniormanagementandboardmembershaveanideaoftherangeofrequirementswithwhichtheirinstitutionsmustcomply.
CaseStudiesCouponRedemption15MIN.
Becauseoftheaccountrecordstheyhaveaccessto,operationsemployeesfrequentlyseeevidenceoffraudthatotherinstitutionemployeesdonot.
GhostintheSystem15MIN.
Studyingaccountrecordsandgenerallybeingtunedintowhattolookformayhelprevealfraud.
Inthiscasestudy,anoperationsemployeesuspectsfraudwhensheconnectsinformationshereadsinthenewspaperwithinformationsheseesinacustomer'saccountrecords.
Larry'sFoodMartorLarry'sLaundry15MIN.
FinancialinstitutionemployeeswhoprocessdataandfileformsarealsosubjecttotheBSArequirements.
Occasionally,theseemployeesmaycomeacrosssomethingthatraisesconcerns.
ExploreasituationinwhichaninstitutionmaywanttofileanSAR.
Miguel'sDilemma15MIN.
IndividualswhowanttoavoidtheCTRrequirementssometimesemployATMstodoso.
Thiscasestudycoversactivitiesthatmightraisesuspicion.
84CourseCatalogforBanksCustomerServiceTrackBSAforCustomerServiceRepresentatives60MIN.
GainabetterunderstandingoftheBSA,essentiallegislationthathelpstheU.
S.
combatmoney-launderingandotherillegalfinancialactivity.
Learnabouttheidentificationandtransactionreportingrequirementsnecessarytohelpdetermoney-launderingatyourbank.
Whoshouldtakethiscourse:Customerservicerepresentativeswho:nOpendepositaccountsnFacilitatewiretransfersnFilloutcurrencytransactionreportsnDetectandreportsuspiciousactivitynSellcashier'sandteller'schecks,andothermonetaryinstrumentsCollegeDaze15MIN.
Reviewtherecord-keepingandverificationproceduresthatmustoccurwhenaninstitutionfacilitatesawiretransferbetweenamotherandhersonatcollege.
Hello,Stranger.
15MIN.
Ifacustomerrefusestoprovidesufficientinformationupontryingtoopenaccount,discoverwhyyoushouldnotopenanaccount.
IsItorIsn'tIt15MIN.
SeehowtheCTR,SAR,andfunds-transferrulescouldcomeintoplaysimultaneously,oratleastmayneedtobeconsideredconcurrentlyinasingletransaction.
TheOwl'sCry15MIN.
Learnabouttherecord-keepingandidentityverificationproceduresthatmustoccurwhenaninstitutionreceivesawiretransferonsomeone'sbehalf.
There'sGottabeaBetterWay!
15MIN.
Thiscasestudypresentsacustomerwhomaybeeligibleforplacementontheinstitution's"exempt"list—thelistofcustomerswhosecurrencytransactionsareexemptfromthereportingrequirement.
85SuggestedCoursesThefollowingBankersEdgecoursessupportallofthejob-specifictracks:BankSecrecyAct(BSA)90MIN.
ThiscourseintroducesyoutotheBSA,akeypieceoflegislationthathelpstheU.
S.
combatmoney-launderingandotherillegalfinancialactivity.
Thiscoursealsodiscusseswhattypesofidentificationrequirementsandtransactionreportingisnecessarytohelpdetermoneylaunderingatyourinstitution.
CurrencyTransactionReporting60MIN.
TheprimarypurposeoftheBSAistopreventanddetectmoney-launderingactivitythroughfinancialinstitutionsandcertainotherbusinessesintheUnitedStates.
Thiscoursefocusesonthecurrencytransactionreporting(CTR)requirementsoftheBSA.
SuspiciousActivityReporting60MIN.
TheBSAandotherAMLlawsrequirethatfinancialinstitutionsprovidethegovernmentwithinformationtohelpdetect,investigateandprosecutemoney-launderers.
Specifically,thelawrequiresthatinstitutions:nProperlyidentifycustomerswhenestablishingaccountsnReportlargecurrencytransactionsnKeeprecordsofcashsalesofnegotiableinstrumentsnReportsuspiciousactivitiesThiscoursefocusesonsuspiciousactivityreportingrequirements.
RelatedCoursesCustomizeyourBSAtrainingprogrambyaddingtheserelatedBankersEdgecourses:Anti-MoneyLaunderingAnti-TerrorismCustomerIdentificationProgramsEthicsforBankersFrauds&ScamsOfficeofForeignAssetsControl—OFACPretextCallingandIdentityTheftSecurityofCustomerInformation86CourseCatalogforBanksACleanDeskPolicyExploreinstitutingapolicythataddressesemployees'housekeepinghabitsatwork,fromhowtohandleunattendeddocumentsandstoragemediatothedocumentdisposalinthewastebin.
Sharedhardwareusageissuesarealsodiscussedinthismodule.
ComputerRoomSecurityIssuesofphysicalaccesstohardwarearediscussedinthismodule,suchasenvironmentalordualspaceusage.
CustomerRequestsEstablishproceduresforrespondingtolawfullyauthorizedrequestsforreleaseofconfidentialdata.
DataEncryptionStandardsLearnaboutstandardsforencoding/decodingcustomerdata.
IncidentResponseProgramExploretheInteragencyGuidanceonResponseProgramsforUnauthorizedAccesstoCustomerInformation—aprogramdevelopedtorespondtounauthorizedaccesstocustomerinformation,includingrequirednotifications.
InformationDisposalReviewthelegalrequirementsthataffectdifferenttypesofdocumentsthatcontainsensitiveinfor-mation,andthetimelimitssetforshreddinganddisposalofsensitiveinformation.
InteractiveVoiceResponseSystemsHowdoestheinteractivevoiceresponsesystemworkFindouthowIDsandPINsensuresystemsecurity.
InternetBankingSecurityEstablishbest-practiceprotocolsincludingforcedpasswordchanges,lockoutsandmulti-factor(strong)authentication.
CustomerInformationSecurityAwareness(CISA)Protectingcustomers'personaldataisonlyonefacetoftheGramm-Leach-BlileyAct.
InaccordancewiththeAct,theSafeguardsRulemandatesthatfinancialinstitutionsmustdocument,implementandupholdaninformationsecurityplanthatproperlyprotectscustomers'personaldata.
Partofthisrequiremententailshavinganemployeetrainingprograminplacethataddressesinformationsecurityissues.
TheBankersEdgeCustomerInformationSecurityAwareness(CISA)seriesisasetofcorecoursesthatcoverskeypoliciesandproceduresallbanksmustadopttohelpensurecompliancewiththeAct.
Takeninaseries,these24topicsprovideasoundfoundationwithwhichtosupportGLBAcomplianceinyourorganization.
87IntrusionDetectionandFirewallSecurityThismodulediscussestheissuesofattemptedaccessfromoutsidehackersandthetypesofsystemsusedtodetectanddetersuchattempts.
LaptopandPDASecurityBrushuponlaptop-andcellphone-relatedsecurityissues.
MagneticFileBackupandStorageHarddrives,tapesandcartridgesaretheprimarymeansbanksemployforstoringconfidentialoperationalandcustomerdata.
Thismoduleexaminestheissuesaroundtheuseofcommonstoragemedia.
MediaandEquipmentHowdoesyourbankremoveconfidentialdatafrommediaLearnaboutcontrolsyoumustputinplacetoensureallmediaisproperlytrackedanddestructionislogged.
NetworkComponentSecurityTakeacloserlookatthetypesofsecurityissuesconnectedwithabank'snetworkhardware.
PasswordsDiscoverbestpracticesforselectingpasswordsandcontrollingaccesstoworkstations.
PCSoftwareControlsLearnhowtoestablishpoliciesforemployees'computersthatsetexpectationsinrelationtounauthorizedmodificationsbyauthorizedusersleadingtoincompatibilityissues,viruses,andnon-professionalusage.
PINsExploreissuesrelatedtocustomers'personalidentificationnumbers(PINs),andthebankingproductsandservicestheypermitaccessto.
RemoteAccessStandardsGainabetterunderstandingofhowtoenforceremoteaccessstandardswhenworkingwithaserviceprovider.
SecuringCustomerInformationConsidercompliancewiththeGLBAfromabankITperspective.
SecuringNon-PublicAreasLearnaboutoperationalissuesinnon-publicareas,includingcontractor/servicepersonnel,badgesandvisitorlogs.
SecuritySystemIssuesReviewFAX,e-mailandInternetsystems,aswellasacceptableuse,confidentialityandprofessionalusepolicies.
88CourseCatalogforBanksSocialEngineeringSocialengineering—asitrelatestoinformationsecurity—iswhenapersonistrickedintocooperatingwithahackerduetoourinclinationtofollowcertain"socialrules.
"Explorethesecuritysystemissuesyoumustbeawareoftopreventtheuseofsocialengineeringtobreachorcompromisesecurityatyourinstitution.
SocialMediaYourcustomersuseit.
Yourcompetitorsuseit.
Youremployeesuseit.
Socialmediatakesthetraditionalformsofcommunicationandbringsthemintotheonlineworld.
Inthismodule,getuptospeedontheissuessurroundingtheuseofsocialmediabycustomersandemployees.
VirtualPrivateNetworkSecurityLearnmoreaboutinformationsecurityguidelinesforVPNuse.
VirusandSpywarePreventionLearnhowtopreventindividualPCandfileserverdestruction,aswellasunplannednetworkdowntimeduetoattacksfrommaliciousprograms.
89PackagedTrainingSolutions90CourseCatalogforBanksWhichBankersEdgepackageisrightforyou91CompliancePackage"Asregulators'expectationsincrease,financialinstitutionsmustfindtrainingsolutionsthatarecomprehensive,cost-effectiveanduser-friendly.
WeselectedBankersEdgeasourexclusivetrainingvendorbecausetheymeetthesecriteria,whileprovidingimpeccablecustomerserviceandsupport.
"—SeniorComplianceOfficerTokeeppacewithrapidlychangingcompliancerequirements,yourorganizationmustbenimble,responsiveandpreparedtonavigatetheincreasinglycomplexregulatorylandscape.
BankersEdgedeliversindustry-leadingcompliancetrainingwithadistincttwist.
Wepartnerwithacclaimedregulatorycomplianceprofessionalswhoregularlyreviewourcoursecontentforaccuracy.
Leveragingsubjectmatterexperts'fieldexpertisedramaticallyenrichesourcompliancecurriculum,addingauniquepracticaldimensionthatonlyreal-worldexperienceaffords.
Thisbroadperspectivedeepensthequalityofourcompliancecourses,andensuresyourorganizationiscontinuallyalignedwithindustrystandardsandbestpractices.
REGULATORYCOMPLIANCE92CourseCatalogforBanksRegulatoryComplianceAdvertisingComplianceAffiliateTransactions—RegulationWAnti-BoycottRestrictionsAnti-TyingRestrictionsBankBriberyAmendmentsActCustomerandEnhancedDueDiligence(CDD/EDD)CustomerIdentificationProgram(CIP)CustomerIdentificationProgram(CIP)RefresherCustomerInformationSecurityAwarenessDepositComplianceOverviewFederalDepositInsuranceCorporation(FDIC)FederalElectionCampaignAct(FECA)Fedwire—RegulationJForeignCorruptPracticesActGLBPrivacyAct(NoOpt-Out)GLBPrivacy(NoOpt-Out)RefresherGLBPrivacyAct(Opt-out)GLBPrivacy(Opt-Out)RefresherIntroductiontoComplianceforTellersOfficeofForeignAssetsControl(OFAC)OfficeofForeignAssetsControl(OFAC)RefresherReserveRequirements—RegulationsDandQRighttoFinancialPrivacyAct(RFPA)RighttoFinancialPrivacyAct(RFPA)RefresherSarbanes-OxleyActOverviewSweepAccountDisclosureRequirementsTruthinSavingsAct—RegDDTruthinSavings—RegDDRefresherLENDINGCOMPLIANCEREGULATORYCOMPLIANCECommercialComplianceOverviewCommunityReinvestmentActforIntermediateInstitutionsCommunityReinvestmentActforIntermediateInstitutionsRefresherCommunityReinvestmentActforLargeInstitutionsCommunityReinvestmentActforLargeInstitutionsRefresherCommunityReinvestmentActforSmallInstitutionsCommunityReinvestmentActforSmallInstitutionsRefresherDEPOSITCOMPLIANCEREGULATORYCOMPLIANCE93LENDINGCOMPLIANCEREGULATORYCOMPLIANCEConsumerInstallmentLoanComplianceOverviewConsumerLeasingAct—RegulationMEqualCreditOpportunityAct—RegBEqualCreditOpportunityAct—RegBRefresherFairandAccurateCreditTransactionsAct(FACTA)OverviewFairCreditReportingAct(FCRA)FairCreditReportingAct(FCRA)RefresherFairDebtCollectionPracticesAct(FDCPA)FairHousingActFairLendingOverviewFairLendingOverviewRefresherFederalRegulationofRealEstateAppraisalsFloodInsuranceHomeMortgageDisclosureAct—RegulationCIntroductiontoCreditCardRegulationsLoanstoExecutiveOfficers—RegulationORaisingTheBar:AGuideToThe2014MortgageServicingRulesRealEstateSettlementProceduresAct—RegXRealEstateSettlementProceduresAct—RegXRefresherResidentialMortgageA-B-C—MortgageRegulationsTheS.
A.
F.
E.
ActTILA—BeyondBasics—CertainHomeMortgageLoans(Higher-PriceMortgageLoans,ReverseMortgages,MDIA,Rescission,HOEPA)TILA—Closed-EndResidentialRealEstateLoansTILA—HomeEquityLinesofCredit(HELOC)TILA—InstallmentLoans—Non-RealEstateSecuredTILA—OpenEndLoans/CreditCardsTILA—UnsecuredOpen-EndLoans/Non-CardTruthinLendingAct—RegZTruthinLendingAct—RegZRefresherUnfair,DeceptiveorAbusiveActsorPracticesfortheFinancialInstitutionUnfair,DeceptiveorAbusiveActsorPractices(UDAAP)RegAAUnfair,DeceptiveorAbusiveActsorPractices(UDAAP)RegAARefresherUnlawfulInternetGambling—RegulationGGAcceptingNegotiableInstrumentsAnti-MoneyLaundering(AML)AML&SARforMortgageLendersandOriginatorsAMLforCustomerServiceRepresentativesAMLforDirectorsandSeniorManagementAMLforLendersAMLforOperationsAMLforTellersAML:WhatArePEPsAnti-TerrorismOverviewBankBroker/DealerExemptions—RegulationRTRANSACTIONCOMPLIANCEREGULATORYCOMPLIANCE94CourseCatalogforBanksBankSecrecyAct(BSA)BankSecrecyAct(BSA)RefresherBSAforCustomerServiceRepresentativesBSAforDirectorsandSeniorManagementBSAforLendersBSAforOperationsBSAforTellersBSA/AMLTrustCheck21ActOverviewCheck21ActOverviewRefresherCurrencyTransactionReportingElderFinancialAbuseElectronicFundsTransferAct—RegEElectronicFundsTransferAct—RegERefresherExpeditedFundsAvailabilityAct—RegCCExpeditedFundsAvailabilityAct—RegCCRefresherNationalBankTrustActivities(12CFRPart9)ProvidingServicetoCustomerswithDisabilitiesRedFlagsofIdentityTheftServicemembersCivilReliefAct(SCRA)SexualHarassmentSexualHarassmentRefresherSexualHarassmentforSupervisorsandManagersSuspiciousActivityReportingAnti-MoneyLaundering(AML)—CaseStudiesAMLCSRs:CandelaisIndustriesAMLCSRs:CurrentonCurrencyTransactionReportingAMLCSRs:DoNotOpenUntil.
AMLCSRs:IsThereaMechanicintheHouseAMLCSRs:TheTemporaryHoldingPatternAMLLenders:CollateralAMLLenders:DidYouDoTheseYourselfAMLLenders:I'veGotFriendsinHighPlacesAMLLenders:MeandMyShadowAMLLenders:TheFrenchConnectionAMLOperations:ThePayoffAMLOperations:WhatKindofLaundryOperationAreYouRunningAMLOperations:What'sMyLineAMLOperations:WhoDoYouKnowintheCaymansAMLOperations:WireYou,WireMeAMLTellers:DoYouHave30$100sfor150$20sAMLTellers:LittleBlueMenAMLTellers:Martino'sTavern&BankAMLTellers:WonderConstructionAMLTellers:You'reintheMoneyBSA/AMLForTrust—Non-ProfitorNotBSA/AMLForTrust—WiretheMoneytoBoliviaTRANSACTIONCOMPLIANCEREGULATORYCOMPLIANCE95BankSecrecyAct(BSA)—CaseStudiesBSACSRs:CollegeDazeBSACSRs:Hello,StrangerBSACSRs:IsItorIsn'tItBSACSRs:TheOwl'sCryBSACSRs:There'sGottaBeaBetterWay!
BSALenders:WhatCity,PleaseBSALenders:WhatWillTheyThinkofNextBSALenders:What'saLoanAmongFriendsBSAOperations:CouponRedemptionBSAOperations:GhostintheSystemBSAOperations:Larry'sFoodMartorLarry'sLaundryBSAOperations:Miguel'sDiscoveryBSATellers:ALittleKnowledgeisDangerousBSATellers:BusinessisBoomingBSATellers:ConnecttheDotsBSATellers:WhatAreFriendsForCustomerInformationSecurityAwareness(CISA)TheBankersEdgeCustomerInformationSecurityAwareness(CISA)seriesisasetofcorecoursesthatcoverskeypoliciesandproceduresallbanksmustadopttohelpensurecompliancewiththeAct.
Takeninaseries,these24topicsprovideasoundfoundationwithwhichtosupportGLBAcomplianceinyourorganization.
ACleanDeskPolicyComputerRoomSecurityCustomerRequestsDataEncryptionStandardsIncidentResponseProgramInformationDisposalInteractiveVoiceResponseSystemsInternetBankingSecurityIntrusionDetectionandFirewallSecurityLaptopandPDASecurityMagneticFileBackupandStorageMediaandEquipmentNetworkComponentSecurityPasswordsPCSoftwareControlsPINsRemoteAccessStandardsSecuringCustomerInformationSecuringNon-PublicAreasSecuritySystemIssuesSocialEngineeringSocialMediaVirtualPrivateNetworkSecurityVirusandSpywarePrevention96CourseCatalogforBanksStandardPackageStandardPackage"Ourtrainingprogram'sresultshaveimproveddramaticallysinceweswitchedtoBankersEdgeonlinecourses.
Andthefeedbackwereceivefromemployeesspeaksvolumes;nowtheyactuallylookforwardtolearning!
"—DirectorofTrainingWhetheryouremployeesarepracticedprofessionalsornewhires,tocompletetransactionscompliantly,theymustmastercorecompetenciesandstayontopofthelatestchangesaffectingtheregulatorylandscape.
Drawingonourmanyyearsofexperiencebuildingtrainingprogramsforbanks,wedevelopedourStandardPackage—acomprehensivecurriculumthatfeaturesanexpansiverangeofengagingessentials.
TheRegulatoryComplianceandFinancialSkillscoursesthatcomprisethisseriesprovideaflexiblelearningenvironmentwhereyouremployeesmayworkattheirownpace.
REGULATORYCOMPLIANCEFINANCIALSKILLS97RegulatoryComplianceAdvertisingComplianceAffiliateTransactions—RegulationWAnti-BoycottRestrictionsAnti-TyingRestrictionsBankBriberyAmendmentsActCustomerandEnhancedDueDiligence(CDD/EDD)CustomerIdentificationProgram(CIP)CustomerIdentificationProgram(CIP)RefresherCustomerInformationSecurityAwarenessDepositComplianceOverviewFederalDepositInsuranceCorporation(FDIC)FederalElectionCampaignAct(FECA)Fedwire—RegulationJForeignCorruptPracticesActGLBPrivacyAct(NoOpt-Out)GLBPrivacy(NoOpt-Out)RefresherGLBPrivacyAct(Opt-out)GLBPrivacy(Opt-Out)RefresherIntroductiontoComplianceforTellersOfficeofForeignAssetsControl(OFAC)OfficeofForeignAssetsControl(OFAC)RefresherReserveRequirements—RegulationsDandQRighttoFinancialPrivacyAct(RFPA)RighttoFinancialPrivacyAct(RFPA)RefresherSarbanes-OxleyActOverviewSweepAccountDisclosureRequirementsTruthinSavingsAct—RegDDTruthinSavings—RegDDRefresherCommercialComplianceOverviewCommunityReinvestmentActforIntermediateInstitutionsCommunityReinvestmentActforIntermediateInstitutionsRefresherCommunityReinvestmentActforLargeInstitutionsCommunityReinvestmentActforLargeInstitutionsRefresherCommunityReinvestmentActforSmallInstitutionsCommunityReinvestmentActforSmallInstitutionsRefresherConsumerInstallmentLoanComplianceOverviewConsumerLeasingAct—RegulationMEqualCreditOpportunityAct—RegBEqualCreditOpportunityAct—RegBRefresherFairandAccurateCreditTransactionsAct(FACTA)OverviewLENDINGCOMPLIANCEREGULATORYCOMPLIANCEDEPOSITCOMPLIANCEREGULATORYCOMPLIANCE98CourseCatalogforBanksFairCreditReportingAct(FCRA)FairCreditReportingAct(FCRA)RefresherFairDebtCollectionPracticesAct(FDCPA)FairHousingActFairLendingOverviewFairLendingOverviewRefresherFederalRegulationofRealEstateAppraisalsFloodInsuranceHomeMortgageDisclosureAct—RegulationCIntroductiontoCreditCardRegulationsLoanstoExecutiveOfficers—RegulationORaisingTheBar:AGuidetothe2014MortgageServicingRulesRealEstateSettlementProceduresAct—RegXRealEstateSettlementProceduresAct—RegXRefresherResidentialMortgageA-B-C—MortgageRegulationsTheS.
A.
F.
E.
ActTILA—BeyondBasics—CertainHomeMortgageLoans(Higher-PriceMortgageLoans,ReverseMortgages,MDIA,Rescission,HOEPA)TILA—Closed-EndResidentialRealEstateLoansTILA—HomeEquityLinesofCredit(HELOC)TILA—InstallmentLoans—Non-RealEstateSecuredTILA—OpenEndLoans/CreditCardsTILA—UnsecuredOpen-EndLoans/Non-CardTruthinLendingAct—RegZTruthinLendingAct—RegZRefresherTruthinLendingAct—RegZTruthinLendingAct—RegZRefresherUnfair,DeceptiveorAbusiveActsorPracticesfortheFinancialInstitutionUnfair,DeceptiveorAbusiveActsorPractices(UDAAP)RegAAUnfair,DeceptiveorAbusiveActsorPractices(UDAAP)RegAARefresherTRANSACTIONCOMPLIANCEREGULATORYCOMPLIANCEAcceptingNegotiableInstrumentsAnti-MoneyLaundering(AML)AML&SARforMortgageLendersandOriginatorsAMLforCustomerServiceRepresentativesAMLforDirectorsandSeniorManagementAMLforLendersAMLforOperationsAMLforTellersAML:WhatArePEPsAnti-TerrorismOverviewBankBroker/DealerExemptions—RegulationRBankSecrecyAct(BSA)BankSecrecyAct(BSA)RefresherLENDINGCOMPLIANCEREGULATORYCOMPLIANCE99TRANSACTIONCOMPLIANCEREGULATORYCOMPLIANCEBSAforCustomerServiceRepresentativesBSAforDirectorsandSeniorManagementBSAforLendersBSAforOperationsBSAforTellersBSA/AMLTrustCheck21ActOverviewCheck21ActOverviewRefresherCurrencyTransactionReportingElderFinancialAbuseElectronicFundsTransferAct—RegEElectronicFundsTransferAct—RegERefresherExpeditedFundsAvailabilityAct—RegCCExpeditedFundsAvailabilityAct—RegCCRefresherNationalBankTrustActivities(12CFRPart9)ProvidingServicetoCustomerswithDisabilitiesRedFlagsofIdentityTheftServicemembersCivilReliefAct(SCRA)SexualHarassmentSexualHarassmentRefresherSexualHarassmentforSupervisorsandManagersSuspiciousActivityReportingUnlawfulInternetGambling—RegulationGGAnti-MoneyLaundering(AML)—CaseStudiesAMLCSRs:CandelaisIndustriesAMLCSRs:CurrentonCurrencyTransactionReportingAMLCSRs:DoNotOpenUntil.
AMLCSRs:IsThereaMechanicintheHouseAMLCSRs:TheTemporaryHoldingPatternAMLLenders:CollateralAMLLenders:DidYouDoTheseYourselfAMLLenders:I'veGotFriendsinHighPlacesAMLLenders:MeandMyShadowAMLLenders:TheFrenchConnectionAMLOperations:ThePayoffAMLOperations:WhatKindofLaundryOperationAreYouRunningAMLOperations:What'sMyLineAMLOperations:WhoDoYouKnowintheCaymansAMLOperations:WireYou,WireMeAMLTellers:DoYouHave30$100sfor150$20sAMLTellers:LittleBlueMenAMLTellers:Martino'sTavern&BankAMLTellers:WonderConstructionAMLTellers:You'reintheMoneyBSA/AMLForTrust—Non-ProfitorNotBSA/AMLForTrust—WiretheMoneytoBolivia100CourseCatalogforBanksBankSecrecyAct(BSA)—CaseStudiesBSACSRs:CollegeDazeBSACSRs:Hello,StrangerBSACSRs:IsItorIsn'tItBSACSRs:TheOwl'sCryBSACSRs:There'sGottaBeaBetterWay!
BSALenders:WhatCity,PleaseBSALenders:WhatWillTheyThinkofNextBSALenders:What'sintheBoxBSAOperations:CouponRedemptionBSAOperations:GhostintheSystemBSAOperations:Larry'sFoodMartorLarry'sLaundryBSAOperations:Miguel'sDiscoveryBSATellers:ALittleKnowledgeisDangerousBSATellers:BusinessisBoomingBSATellers:ConnecttheDotsBSATellers:WhatAreFriendsForCustomerInformationSecurityAwareness(CISA)TheBankersEdgeCustomerInformationSecurityAwareness(CISA)seriesisasetofcorecoursesthatcoverskeypoliciesandproceduresallbanksmustadopttohelpensurecompliancewiththeAct.
Takeninaseries,these24topicsprovideasoundfoundationwithwhichtosupportGLBAcomplianceinyourorganization.
ACleanDeskPolicyComputerRoomSecurityCustomerRequestsDataEncryptionStandardsIncidentResponseProgramInformationDisposalInteractiveVoiceResponseSystemsInternetBankingSecurityIntrusionDetectionandFirewallSecurityLaptopandPDASecurityMagneticFileBackupandStorageMediaandEquipmentNetworkComponentSecurityPasswordsPCSoftwareControlsPINsRemoteAccessStandardsSecuringCustomerInformationSecuringNon-PublicAreasSecuritySystemIssuesSocialEngineeringSocialMediaVirtualPrivateNetworkSecurityVirusandSpywarePrevention101FinancialSkillsUnderstandingSBAEligibilityUnderstandingSBALoansEducationSavingsAccounts(ESA)ExcessIRAContributionsIRABeneficiaryOptionsIRAContributionsIRADistributionsIRARequiredMinimumDistributionsIRARollovers,TransfersandDirectRolloversRothIRAOverviewSIMPLEIRABasicsSimplifiedEmployeePension(SEP)PlansTraditionalIRAOverviewAnalyzingPersonalFinancialStatementsConsumerCreditProductsHigh-CostMortgages(HOEPA)HomeEquity(Open-EndCredit)IRSReportingforRealEstateTransactionsMortgageFraudAwarenessPrivateMortgageInsuranceResidentialMortgage1-2-3—MortgageProcessReverseMortgageSecondLienRealEstateMortgageLoansSubprimeandPredatoryLendingCOMMERCIALLENDINGFINANCIALSKILLSFINANCIALSKILLSRETIREMENTMANAGEMENTFINANCIALSKILLSCONSUMERLENDING102CourseCatalogforBanksFinancialSkills(continued)AutomatedClearingHouse(ACH)BombThreatsandOtherSecurityIssuesBusinessContinuityandDisasterRecoveryCash-DrawerBalancingConvenienceProductsandServicesCounterfeitingandForgeryDepositProductsDepositsandWithdrawalsEthicsforBankersFraudsandScamsFundamentalsofBankingI—TheBankingSystemFundamentalsofBankingII—TheBankingInstitutionHandlingStopPaymentsHealthSavingsAccounts(HSA)InsiderTradingInsuranceDisclosuresInsuranceProductsIssuingNegotiableInstrumentsMoneyHandlingNon-DepositInvestmentProductsNonresidentAlienOpeningaDepositAccountPretextCallingandIdentityTheftPrivateBankingRecordsManagementRemoteDepositCaptureRobberiesSafeDepositBoxesSavingsBondsSecurityofCustomerInformationGuidelinesTradeFinanceTrustLawBasicsTrustServicesWireTransfersFINANCIALSKILLSRETAILBANKING103StandardPackage"Ourtrainingprogram'sresultshaveimproveddramaticallysinceweswitchedtoBankersEdgeonlinecourses.
Andthefeedbackwereceivefromemployeesspeaksvolumes;nowtheyactuallylookforwardtolearning!
"—DirectorofTrainingPremiumPackageBuildingacomprehensivetrainingprogramthatmeetsemployees'needsthroughouteverystageoftheircareerrequiresequalpartsartandscience.
Ensuringyourorganizationiscontinuallyalignedwithindustrystandardsandbestpracticesisonlyonepartoftheequation.
Youneedtostriketheperfectbalancebetweenprovidingthecorecompliancecoursesemployeesneedtosatisfyregulatoryrequirements,whilealsoofferingprofessionaldevelopmentopportunitiesthatwillhelpyourinstitutionattractandretaintoptalent.
Astheonlinetrainingproviderofchoiceforthefinancialservicesindustry,BankersEdgehasover15yearsofexperiencepreparingbanksforregulatorychange.
ExploreourRegulatoryCompliance,FinancialSkillsandProfessionalSkillscoursesonthefollowingpages,anddiscoverengagingtrainingthatimprovesemployees'competence,drivessalesandincreasesemployeeandcustomersatisfaction.
REGULATORYCOMPLIANCEFINANCIALSKILLSPROFESSIONALSKILLS104CourseCatalogforBanksRegulatoryComplianceAdvertisingComplianceAffiliateTransactions—RegulationWAnti-BoycottRestrictionsAnti-TyingRestrictionsBankBriberyAmendmentsActCustomerandEnhancedDueDiligence(CDD/EDD)CustomerIdentificationProgram(CIP)CustomerIdentificationProgram(CIP)RefresherCustomerInformationSecurityAwarenessDepositComplianceOverviewFederalDepositInsuranceCorporation(FDIC)FederalElectionCampaignAct(FECA)Fedwire—RegulationJForeignCorruptPracticesActGLBPrivacyAct(NoOpt-Out)GLBPrivacy(NoOpt-Out)RefresherGLBPrivacyAct(Opt-out)GLBPrivacy(Opt-Out)RefresherIntroductiontoComplianceforTellersOfficeofForeignAssetsControl(OFAC)OfficeofForeignAssetsControl(OFAC)RefresherReserveRequirements—RegulationsDandQRighttoFinancialPrivacyAct(RFPA)RighttoFinancialPrivacyAct(RFPA)RefresherSarbanes-OxleyActOverviewSweepAccountDisclosureRequirementsTruthinSavingsAct—RegDDTruthinSavings—RegDDRefresherCommercialComplianceOverviewCommunityReinvestmentActforIntermediateInstitutionsCommunityReinvestmentActforIntermediateInstitutionsRefresherCommunityReinvestmentActforLargeInstitutionsCommunityReinvestmentActforLargeInstitutionsRefresherCommunityReinvestmentActforSmallInstitutionsCommunityReinvestmentActforSmallInstitutionsRefresherConsumerInstallmentLoanComplianceOverviewConsumerLeasingAct—RegulationMEqualCreditOpportunityAct—RegBEqualCreditOpportunityAct—RegBRefresherFairandAccurateCreditTransactionsAct(FACTA)OverviewLENDINGCOMPLIANCEREGULATORYCOMPLIANCEDEPOSITCOMPLIANCEREGULATORYCOMPLIANCE105FairCreditReportingAct(FCRA)FairCreditReportingAct(FCRA)RefresherFairDebtCollectionPracticesAct(FDCPA)FairHousingActFairLendingOverviewFairLendingOverviewRefresherFederalRegulationofRealEstateAppraisalsFloodInsuranceHomeMortgageDisclosureAct—RegulationCIntroductiontoCreditCardRegulationsLoanstoExecutiveOfficers—RegulationORaisingtheBar:AGuidetothe2014CFPBRulesRealEstateSettlementProceduresAct—RegXRealEstateSettlementProceduresAct—RegXRefresherResidentialMortgageA-B-C—MortgageRegulationsTheS.
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ActTILA—BeyondBasics—CertainHomeMortgageLoans(Higher-PriceMortgageLoans,ReverseMortgages,MDIA,Rescission,HOEPA)TILA—Closed-EndResidentialRealEstateLoansTILA—HomeEquityLinesofCredit(HELOC)TILA—InstallmentLoans—Non-RealEstateSecuredTILA—OpenEndLoans/CreditCardsTILA—UnsecuredOpen-EndLoans/Non-CardTruthinLendingAct—RegZTruthinLendingAct—RegZRefresherUnfair,DeceptiveorAbusiveActsorPracticesfortheFinancialInstitutionUnfair,DeceptiveorAbusiveActsorPractices(UDAAP)RegAAUnfair,DeceptiveorAbusiveActsorPractices(UDAAP)RegAARefresherTRANSACTIONCOMPLIANCEREGULATORYCOMPLIANCEAcceptingNegotiableInstrumentsAnti-MoneyLaundering(AML)AML&SARforMortgageLendersandOriginatorsAMLforCustomerServiceRepresentativesAMLforDirectorsandSeniorManagementAMLforLendersAMLforOperationsAMLforTellersAML:WhatArePEPsAnti-TerrorismOverviewBankBroker/DealerExemptions—RegulationRLENDINGCOMPLIANCEREGULATORYCOMPLIANCE106CourseCatalogforBanksBankSecrecyAct(BSA)BankSecrecyAct(BSA)RefresherBSAforCustomerServiceRepresentativesBSAforDirectorsandSeniorManagementBSAforLendersBSAforOperationsBSAforTellersBSA/AMLTrustCheck21ActOverviewCheck21ActOverviewRefresherCurrencyTransactionReportingElderFinancialAbuseElectronicFundsTransferAct—RegEElectronicFundsTransferAct—RegERefresherExpeditedFundsAvailabilityAct—RegCCExpeditedFundsAvailabilityAct—RegCCRefresherNationalBankTrustActivities(12CFRPart9)ProvidingServicetoCustomerswithDisabilitiesRedFlagsofIdentityTheftServicemembersCivilReliefAct(SCRA)SexualHarassmentSexualHarassmentRefresherSexualHarassmentforSupervisorsandManagersSuspiciousActivityReportingUnlawfulInternetGambling—RegulationGGAnti-MoneyLaundering(AML)—CaseStudiesAMLCSRs:CandelaisIndustriesAMLCSRs:CurrentonCurrencyTransactionReportingAMLCSRs:DoNotOpenUntil.
AMLCSRs:IsThereaMechanicintheHouseAMLCSRs:TheTemporaryHoldingPatternAMLLenders:CollateralAMLLenders:DidYouDoTheseYourselfAMLLenders:I'veGotFriendsinHighPlacesAMLLenders:MeandMyShadowAMLLenders:TheFrenchConnectionAMLOperations:ThePayoffAMLOperations:WhatKindofLaundryOperationAreYouRunningAMLOperations:What'sMyLineAMLOperations:WhoDoYouKnowintheCaymansAMLOperations:WireYou,WireMeAMLTellers:DoYouHave30$100sfor150$20sAMLTellers:LittleBlueMenAMLTellers:Martino'sTavern&BankAMLTellers:WonderConstructionAMLTellers:You'reintheMoneyBSA/AMLForTrust—Non-ProfitorNotBSA/AMLForTrust—WiretheMoneytoBoliviaTRANSACTIONCOMPLIANCEREGULATORYCOMPLIANCE107BankSecrecyAct(BSA)—CaseStudiesBSACSRs:CollegeDazeBSACSRs:Hello,StrangerBSACSRs:IsItorIsn'tItBSACSRs:TheOwl'sCryBSACSRs:There'sGottaBeaBetterWay!
BSALenders:WhatCity,PleaseBSALenders:WhatWillTheyThinkofNextBSALenders:What'sintheBoxBSAOperations:CouponRedemptionBSAOperations:GhostintheSystemBSAOperations:Larry'sFoodMartorLarry'sLaundryBSAOperations:Miguel'sDiscoveryBSATellers:ALittleKnowledgeisDangerousBSATellers:BusinessisBoomingBSATellers:ConnecttheDotsBSATellers:WhatAreFriendsForCustomerInformationSecurityAwareness(CISA)TheBankersEdgeCustomerInformationSecurityAwareness(CISA)seriesisasetofcorecoursesthatcoverskeypoliciesandproceduresallbanksmustadopttohelpensurecompliancewiththeAct.
Takeninaseries,these24topicsprovideasoundfoundationwithwhichtosupportGLBAcomplianceinyourorganization.
ACleanDeskPolicyComputerRoomSecurityCustomerRequestsDataEncryptionStandardsIncidentResponseProgramInformationDisposalInteractiveVoiceResponseSystemsInternetBankingSecurityIntrusionDetectionandFirewallSecurityLaptopandPDASecurityMagneticFileBackupandStorageMediaandEquipmentNetworkComponentSecurityPasswordsPCSoftwareControlsPINsRemoteAccessStandardsSecuringCustomerInformationSecuringNon-PublicAreasSecuritySystemIssuesSocialEngineeringSocialMediaVirtualPrivateNetworkSecurityVirusandSpywarePrevention108CourseCatalogforBanksFinancialSkillsLendingSeries—CashFlowAnalysisLendingSeries—CashFlowStatementLendingSeries—CurrentAssetsLendingSeries—IncomeStatementAnalysisLendingSeries—LiabilitiesandEquityLendingSeries—LoanStructuringLendingSeries—LongTermAssetsLendingSeries—PersonalTaxReturnAnalysisLendingSeries—RatioAnalysisLendingSeries—TheBalanceSheetLendingSeries—TheIncomeStatementLendingSeries—WorkingCapitalUnderstandingSBAEligibilityUnderstandingSBALoansEducationSavingsAccounts(ESA)ExcessIRAContributionsIRABeneficiaryOptionsIRAContributionsIRADistributionsIRARequiredMinimumDistributionsIRARollovers,TransfersandDirectRolloversRothIRAOverviewSIMPLEIRABasicsSimplifiedEmployeePension(SEP)PlansTraditionalIRAOverviewAnalyzingPersonalFinancialStatementsConsumerCreditProductsHigh-CostMortgages(HOEPA)HomeEquity(Open-EndCredit)IRSReportingforRealEstateTransactionsLendingSeries—FundamentalsofConsumerLendingLendingSeries—FundamentalsofMortgageLendingMortgageFraudAwarenessPrivateMortgageInsuranceResidentialMortgage1-2-3—MortgageProcessReverseMortgageSecondLienRealEstateMortgageLoansSubprimeandPredatoryLendingCOMMERCIALLENDINGFINANCIALSKILLSFINANCIALSKILLSRETIREMENTMANAGEMENTFINANCIALSKILLSCONSUMERLENDING109FinancialSkills(continued)FINANCIALSKILLSRETAILBANKINGAutomatedClearingHouse(ACH)BombThreatsandOtherSecurityIssuesBusinessContinuityandDisasterRecoveryCash-DrawerBalancingConvenienceProductsandServicesCounterfeitingandForgeryDepositProductsDepositsandWithdrawalsEthicsforBankersFraudsandScamsFundamentalsofBankingI—TheBankingSystemFundamentalsofBankingII—TheBankingInstitutionHandlingStopPaymentsHealthSavingsAccounts(HSA)InsiderTradingInsuranceDisclosuresInsuranceProductsIssuingNegotiableInstrumentsMoneyHandlingNon-DepositInvestmentProductsNonresidentAlienOpeningaDepositAccountPretextCallingandIdentityTheftPrivateBankingRecordsManagementRemoteDepositCaptureRobberiesSafeDepositBoxesSavingsBondsSecurityofCustomerInformationGuidelinesTradeFinanceTrustLawBasicsTrustServicesWireTransfers110CourseCatalogforBanksProfessionalSkillsCustomerServiceModule1:ShowingCustomersYouCareModule2:UsingLanguagetoServetheCustomerModule3:OpeningtheConversationModule4:DiagnosingCustomerNeedsModule5:RespondingtoCustomerRequestsModule6:TamingChallengingConversationsModule7:That'saWrap—ClosingtheConversationAgeBarrierstoInclusionCross-CulturalBusinessCulturalDiversityDefamationDefamationforManagersDiscriminationDiscriminationforManagersDiversityAwarenessDocumentationDocumentationforManagersEmployeeswithDisabilitiesEmployeeswithDisabilitiesforManagersGenderHarassmentHarassmentforManagersLanguageMaritalStatusRace,ColorandNationalityReligionRetaliationRetaliationforManagersSexualOrientationStereotypesandAssumptionsVeteranStatusViolenceandBullyingintheWorkplaceWorkplaceInclusionPROFESSIONALSKILLSCUSTOMERSERVICEPROFESSIONALSKILLSDIVERSITYANDINCLUSION111ProfessionalSkills(continued)PROFESSIONALSKILLSLEADERSHIPDEVELOPMENTModule1:IntroductiontoManagementBasicsModule2:TimeManagementModule3:BusinessWritingModule4:HowtoLeadandParticipateEffectivelyinMeetingsModule5:CoachingandFeedbackModule6:LeadingPeoplethroughChangeModule7:HandlingConflictModule8:SharpeningYourInterviewingSkillsModule9:ManagingMultipleGenerationsatWorkModule10:IntroductiontoProjectManagementConceptsCross-SellingModule1:TheOtherSideofServiceModule2:AddingValuethroughCross-SellingModule3:AddingValuethroughUp-SellingModule4:OvercomingResistancePROFESSIONALSKILLSSALES112CourseCatalogforBanksProfessionalDevelopmentMultimediaPackageDevelopawinningteamandcreateapositiveworkplacebygivingyouremployeesthetoolstheyneedtoachievepeakperformance.
Designedforemployeesinleadershiproles,coursesintheBankersEdgeProfessionalDevelopmentMultimediapackagetackletopicsmanagersandsupervisorsfaceatwork,suchasproductivityandbridgingthegenerationgapamongteammembers.
Techniquestaughtincludetipsforleadingteamsthroughorganizationalchangeandstrategiesforbecomingamastercommunicator.
Allofthecoursesinthiscurriculumareenrichedwithmultimediaforgreaterinformationretention.
"Yourstaffsetsthegoldstandardforcustomerservice.
Ilovetheproactivecalls!
Thankyouforalwaysbeingtherewithahelpinghand.
"—DirectorofTrainingPROFESSIONALSKILLSWITHMULTIMEDIA113CommunicationBetterBusinessGrammarCommunicatingforResults:HowtoBeClear,ConciseandCredibleCommunicatingtoReduceStressontheJobCommunicatingwithCustomersCommunicatingwithPeopleontheJobDon'tShoottheMessenger:CommonWorkplaceCourtesiesthatReduceTension&LowerStressHowtoCommunicateClearlyandEffectivelyWithEmployeesHowtoGiveandReceiveCriticismMaketheConnection:HowtoBeEffectiveandProductiveonthePhoneMasteringMemosPowerWriting:TechniquesforSuccessPowerfulWaystoPersuadePeopleSolvingPeopleProblemsontheJobSpeakingtoOnePersonoraRoomful:ProvenTechniquesthatWillMakeYouaMasterCommunicatorSpeakingwithConfidence,ClarityandCharismaCustomerService7ThingsNevertoSaytoYourCustomersEveryone'sCustomerServiceRoleListen&Win:HowtoKeepCustomersComingBackSpeakingLikeaPro…andGetaStandingOvationEveryTimeThinkLiketheCustomer,ActLiketheOwner:TheArtofDeliveringSuperiorCustomerServiceWinningOverEventheMostDifficultCustomers:GoingBeyondServicewithaSmileLeadershipBecomingaLeader:CommunicationTechniquesthatMotivate,GuideandInspireEmployeestoExcelMotivatingEmployeesDuringOrganizationalChangeProfessionalConduct101:VitalSkillsforNewEmployeesYouAretheOrganizationBecomingaCoach:BringingouttheBestinEmployeesConductingHigh-Impact,Low-StressPerformanceReviewsCreatingYourDreamTeam:HowtoHarnessthePowerofTeamworkEveryone'sTeamRoleForManagers…CreatingaPositiveWorkplace:GoodAttitudesAreContagiousHeatingupYourColdCallsHiringSecrets:12TipstoGetCandidatestoRevealtheirTrueSelvesHowtoResolveConflictatWorkHowtoSeeOpportunityinaChangingWorkplaceHowtoShineinDifficultManagementSituationsInterviewingTechniquesthatHelpYouHiretheBestIt'sBusiness,NotPersonal:TamingEmotionsintheWorkplaceSolving(EvenMore)PeopleProblemsontheJobTrainingtoWin:HelpingEmployeesMeetorExceedTheirGoals114CourseCatalogforBanksTeamworkBuildingCooperation:HowEveryoneCanWinatWorkForEmployees.
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BeingPositiveintheWorkplace:GoodAttitudesAreContagiousGettingCooperation:Team-BuildingthatWorksSinkorSwimTeamwork:We'reAllinthisTogetherTeam-BuildingTechniquesthatWorkTimeManagementAchievingthePeakPerformanceontheJobArrestthatStress:HowtoDepressurizeYourWorkLifeDoitRighttheFirstTime:PayingAttentiontoDetailsDoMoreinLessTime:TameYourWorkloadbyDramaticallyIncreasingYourProductivityGetOrganizedandStayOrganized:The7-DayPlanforPuttingYourWorkLifeinOrderHowtoJuggleMultiplePrioritiesLeading20-minuteMeetingsthatMatterListening:theKeytoProductivityManagingStressBeforeitManagesYouTakeBackYourTime:HowtoManageYourWorkloadandStillHaveaLife115MortgageLendingPackageTheJanuary2014regulatorychangesaffectingthemortgageindustryareepic.
Tohelpmortgageprofessionalsinyourorganizationnavigatethenewrules,BankersEdgeispleasedtoannounceourexpandedMortgageLendingeducationcatalog.
Developedinconjunctionwithourpartner,TrainingPro—thenation'sleadingproviderofmortgageeducation—ournewlyexpandedcurriculumfeatures44engagingcoursesthatalignwiththeNationalMortgageLicensingSystem(NMLS)NationalTestContentOutlinecategories:FederalMortgageLaws,GeneralMortgageKnowledge,MortgageLoanOriginationActivitiesandEthics.
AllcoursesinourMortgageLendingcurriculumcontaincontentapprovedbytheNMLS,andaremeticulouslymaintainedaccordingtoourrigorousqualityassurancestandards.
"BankersEdgemortgagelendingcoursesaccuratelyconveythe2014regulatorychanges,whichaffordsourbankanunparalledlevelofconfidence.
—ComplianceOfficer116CourseCatalogforBanksFederalMortgageLawsRealEstateSettlementProceduresActPartIRealEstateSettlementProceduresActPartIIEqualCreditOpportunityActIntroductiontotheTruthinLendingActTILAAdvertising&RighttoRescissionTILADisclosureRequirementsHomeOwnershipandEquityProtectionActRegulationsforHigher-PricedMortgagesALookattheHomeownersProtectionActSecureandFairEnforcementAct(SAFE)HomeMortgageDisclosureActFCRA&FACTATheRedFlagRulesIntroductiontotheDoddFrankActMortgageAssistanceReliefServices(MARSRule)IntroductiontotheUSAPatriotActIntroductiontotheGramm-Leach-BlileyActDoNotCallImplementationActMortgageFraudLawsAtAGlanceGeneralMortgageKnowledgeHistoryofMortgageLendingBasicLoanProductsGuidances:AFederalReactiontoMortgageDownturnFixedRateMortgagesAdjustableRateMortgagesandNegativeAmortizationQualifiedMortgagesandOtherMortgageTypesLimitedandNo-IncomeVerificationLoansTheNewMortgageProductLandscapeandLoanTermsMortgageLoanOriginationActivitiesCompletingtheMortgageLoanApplicationSuitabilityofProductsandProgramsPurposesofDisclosuresQualification:Processing&UnderwritingPartI(BorrowerAnalysis)Qualification:Processing&UnderwritingPartII(QualifyingRatios)Qualification:Processing&UnderwritingPartIII(CommitmentsandUnderwriting)Ability-to-Repay/QualifiedMortgageRuleTheImportanceofAppraisalsMortgageTitle&InsuranceSpecificProgramGuidelines:FHA,VA,USDATheClosingProcessFinancialCalculationsUsedinMortgageLendingEthicsEthics—FederalLawApplicabilityEthics—MortgageFraudandConsumerProtectionEthicalStandardsandIndustryBehaviorsEthics,DisclosureandAppraisalAdditionalMortgageCoursesAML&SARforMortgageLendersandOriginators117CustomTrainingSolutionsInthewakeofarecession,trainingbudgetsaretighterthanever.
Andformanybanksnationwide,"Domorewithless.
"isthenewstatusquo.
Grapplingwithlimitedresourcesoftendrivestraininggoalsfaroutofreach.
Consequently,weroutinelyreceiverequestsfordevelopmentsupportfromcustomerswhoarelookingtoaugmenttheirstaff.
Tobetterservethesecustomers,wecreatedBankersEdgeCustomTrainingSolutions(CTS)—ateamofhighlyreputabledevelopersonstandby,readytoassistwithurgentrequests,routinemaintenanceorlong-termprojects.
TolearnmoreaboutourCTSteam'scapabilities,discussyourtrainingdevelopmentneedswithyourBankersEdgerepresentative.
ThankyouforyourinterestinBankersEdge.
Welookforwardtoservingyou.
CustomTrainingSolutions118CourseCatalogforBanksLearningTechnology4nArtisan5nCAT6nMARS7nSymphony8nSystemRequirements9Courses10RegulatoryCompliance11nLendingCompliance12CommercialComplianceOverview12CommunityReinvestmentActforIntermediateInstitutions12CommunityReinvestmentActforLargeInstitution12CommunityReinvestmentActforSmallInstitutions12ConsumerInstallmentLoanComplianceOverview12ConsumerLeasingAct—RegulationM12EqualCreditOpportunityAct—RegulationB12FairandAccurateCreditTransactionsAct(FACTA)13OverviewFairCreditReportingAct(FCRA)13FairDebtCollectionPracticesAct(FDCPA)13FairHousingAct13FairLendingOverview13FederalRegulationofRealEstateAppraisals13FloodInsurance13HomeMortgageDisclosureAct—RegulationC13IntroductiontoCreditCardRegulations13LoanstoExecutiveOfficers—RegulationO13RealEstateSettlementProceduresAct(RESPA)—13RegulationXResidentialMortgageA-B-C—MortgageRegulations14TheS.
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Act14TruthinLendingAct—RegulationZ14Unfair,DeceptiveorAbusiveActsorPractices15(UDAAP)RegAAUnfair,DeceptiveorAbusiveActsorPractices15fortheFinancialInstitutionnDepositCompliance16AdvertisingCompliance16AffiliateTransactions—RegulationW16Anti-BoycottRestrictions16Anti-TyingRestrictions16BankBriberyAmendmentsAct16CustomerandEnhancedDueDiligence(CDD/EDD)17CustomerIdentificationProgram(CIP)17CustomerInformationSecurityAwareness17DepositComplianceOverview17FederalDepositInsuranceCorporation(FDIC)17FederalElectionCampaignAct(FECA)17Fedwire—RegulationJ17ForeignCorruptPracticesAct17GrammLeach-BlileyPrivacyAct(Opt-Out)17Gramm-Leach-Bliley(GLB)PrivacyAct17IntroductiontoComplianceforTellers18OfficeofForeignAssetsControl(OFAC)18ReserveRequirements—RegulationsDandQ18RighttoFinancialPrivacyAct(RFPA)18Sarbanes-OxleyActOverview18SweepAccountDisclosureRequirements18TruthinSavingsAct—RegulationDD18nTransactionCompliance19Anti-MoneyLaundering(AML)19AMLforCustomerServiceRepresentatives19AMLforDirectorsandSeniorManagement19AMLforLenders19AMLforOperations19AMLforTellers19Anti-TerrorismOverview19BankBroker/DealerExemptions—RegulationR20BankSecrecyAct(BSA)20BSAforCustomerServiceRepresentatives20BSAforDirectorsandSeniorManagement20BSAforLenders20BSAforOperations20BSAforTellers20BSA/AMLTrust20Check21ActOverview20CurrencyTransactionReporting20ElderFinancialAbuse20ElectronicFundsTransferAct—RegulationE20ExpeditedFundsAvailabilityAct—RegulationCC21HomeMortgageDisclosureAct21NationalBankTrustActivities21ProvidingServicetoCustomerswithDisabilities21ServiceMembersCivilReliefAct(SCRA)21SexualHarassment21SexualHarassmentforSupervisorsandManagers21SuspiciousActivityReporting21UnlawfulInternetGambling—RegulationGG21119FinancialSkills22nCommercialLending23CashFlowAnalysis23CashFlowStatement23CurrentAssets23IncomeStatementAnalysis23LiabilitiesandEquity23LoanStructuring24Long-TermAssets24PersonalTaxReturnAnalysis24RatioAnalysis24TheBalanceSheet24TheIncomeStatement24UnderstandingSBAEligibility24UnderstandingSBALoans24WorkingCapital24nConsumerLending25AnalyzingPersonalFinancialStatements25FundamentalsofConsumerLending25FundamentalsofMortgageLending25High-CostMortgages(HOEPA)25HomeEquity(Open-EndCredit)26HomeMortgageDisclosureAct—RegulationC26IRSReportingforRealEstateTransactions26MortgageFraudAwareness26PrivateMortgageInsurance26ResidentialMortgage1-2-3—MortgageProcess26ReverseMortgage26SecondLienRealEstateMortgageLoans26SubprimeandPredatoryLending26nRetirementManagement27EducationSavingsAccounts(ESA)27ExcessIRAContributions27IRABeneficiaryOptions27IRAContributions27IRADistributions27IRARequiredMinimumDistributions28IRARollovers,TransfersandDirectRollovers28SIMPLEIRABasics28SimplifiedEmployeePension(SEP)Plans28TraditionalRothIRAOverview28TrustLawBasics28TrustServices28UnderstandingSBAEligibility28UnderstandingSBALoans28nRetailBanking29AcceptingNegotiableInstruments29AutomatedClearingHouse(ACH)29BombThreatsandOtherSecurityIssues29BusinessContinuityandDisasterRecovery29Cash-DrawerBalancing29ConvenienceProductsandServices29DepositProducts30DepositsandWithdrawals30EthicsforBankers30FraudsandScams30FundamentalsofBankingI—TheBankingSystem30FundamentalsofBankingII—TheBankingInstitution30HandlingStopPayments30HealthSavingsAccounts(HSA)30InsiderTrading30InsuranceDisclosures30InsuranceProducts30IssuingNegotiableInstruments31MoneyHandling31NewAccountIDProcedures(CA-Specific)31Non-DepositInvestmentProducts31NonresidentAlien31OpeningaDepositAccount31PretextCallingandIdentityTheft31PrivateBanking31RecordsManagement31RemoteDepositCapture32Robberies32SafeDepositBoxes32SavingsBonds32SecurityofCustomerInformationGuidelines32TradeFinance32TrustLawBasics32TrustServices32WireTransfers32ProfessionalSkills33nLeadership34Module1:IntroductiontoManagementBasics34Module2:TimeManagement34Module3:BusinessWriting34Module4:HowtoLeadandParticipate34EffectivelyinMeetings34Module5:CoachingandFeedback34Module6:LeadingPeopleThroughChange35Module7:HandlingConflict35Module8:SharpeningYourInterviewingSkills35Module9:ManagingMultipleGenerationsatWork35Module10:IntroductiontoProjectManagementConcepts35120CourseCatalogforBanksnDiversity&Inclusion36Age36BarrierstoDiversity36Cross-CulturalBusiness36CulturalDiversity36Discrimination36DiscriminationforManagers36Defamation37DefamationforManagers37DiversityAwareness37Documentation37DocumentationforManagers37EmployeeswithDisabilities37EmployeeswithDisabilitiesforManagers37Gender37HarassmentforManagers37Language37MaritalStatus38Race,ColorandNationality38Religion38Retaliation38RetaliationforManagers38SexualHarassment38SexualHarassmentforSupervisorsandManagers38SexualOrientation38StereotypesandAssumptions38VeteranStatus38ViolenceandBullyingintheWorkplace38WorkplaceInclusion38nCustomerService39Module1:ShowingCustomersYouCare39Module2:UsingLanguagetoServetheCustomer39Module3:OpeningtheConversation39Module4:DiagnosingCustomerNeeds40Module5:RespondingtoCustomerRequests40Module6:TamingChallengingConversations40Module7:That'saWrap—ClosingtheConversation40nSales41Cross-Selling41Module1:TheOtherSideofService41Module2:AddingValueThroughCross-Selling41Module3:AddingValueThroughUp-Selling41Module4:OvercomingResistance41nProfessionalSkillswithMultimedia42CommunicationBetterBusinessGrammar43CommunicatingforResults:HowtoBeClear,43ConciseandCredibleCommunicatingtoReduceStressontheJob43CommunicatingwithCustomers43CommunicatingwithPeopleontheJob43Don'tShoottheMessenger:CommonWorkplace43CourtesiesthatReduceTension&LowerStressHowtoCommunicateClearlyand43EffectivelyWithEmployeesHowtoGiveandReceiveCriticism43MaketheConnection:HowtoBeEffectiveand43ProductiveonthePhoneMasteringMemos43PowerWriting:TechniquesforSuccess44PowerfulWaystoPersuadePeople44SolvingPeopleProblemsontheJob44SpeakingtoOnePersonoraRoomful:ProvenTechniques44thatWillMakeYouaMasterCommunicatorSpeakingwithConfidence,ClarityandCharisma44CustomerService7ThingsNevertoSaytoYourCustomers45Everyone'sCustomerServiceRole45Listen&Win:HowtoKeepCustomersComingBack45SpeakLikeaPro…andGetaStandingOvationEveryTime45ThinkLiketheCustomer,ActLiketheOwner45WinningOverEventheMostDifficultCustomers:45GoingBeyondServicewithaSmileLeadershipBecomingaCoach:BringingouttheBestinEmployees46BecomingaLeader:CommunicationTechniques46thatMotivate,GuideandInspireEmployeestoExcelConductingHigh-Impact,Low-StressPerformanceReviews46CreatingYourDreamTeam:HowtoHarnessthe46PowerofTeamworkEveryone'sTeamworkRole46ForManagers…CreatingaPositiveWorkplace:46GoodAttitudesAreContagiousHeatingupYourColdCalls46HiringSecrets:12TipstoGetCandidatesto46RevealtheirTrueSelves121HowtoResolveConflictatWork47HowtoSeeOpportunityinaChangingWorkplace47HowtoShineinDifficultManagementSituations47InterviewingTechniquesthatHelpYouHiretheBest47It'sBusiness,NotPersonal:TamingEmotionsintheWorkplace47MotivatingEmployeesDuringOrganizationalChange47ProfessionalConduct101:VitalSkillsforNewEmployees47ResolvingConflicts:StrategiesforaWinningTeam47Solving(EvenMore)PeopleProblemsontheJob47TrainingtoWin:HelpingEmployeesMeetor48ExceedTheirGoalsYouAretheOrganization48TeamworkBuildingCooperation:HowEveryoneCanWinatWork48ForEmployees.
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BeingPositiveintheWorkplace:48GoodAttitudesAreContagiousGettingCooperation:Team-BuildingThatWorks48SinkorSwimTeamwork:We'reAllinThisTogether49Team-BuildingTechniquesThatWork49TimeManagementAchievingPeakPerformanceontheJob49ArrestthatStress:HowtoDepressurizeYourWorkLife49DoitRighttheFirstTime:PayingAttentiontoDetails49DoMoreinLessTime:TameYourWorkloadby49DramaticallyIncreasingYourProductivityGetOrganizedandStayOrganized:49The7-DayPlanforPuttingYourWorkLifeinOrder49HowtoJuggleMultiplePriorities49Leading20-MinuteMeetingsThatMatter50Listening:theKeytoProductivity50ManagingStressBeforeItManagesYou50TakeBackYourTime:HowtoManageYourWorkload50andStillHaveaLifeMortgageLending51FederalMortgageLawsRealEstateSettlementProceduresActPartI52RealEstateSettlementProceduresActPartII52EqualCreditOpportunityAct52IntroductiontotheTruthinLendingAct52TILAAdvertising&RighttoRescission53TILADisclosureRequirements53HomeOwnershipandEquityProtectionAct53RegulationsforHigher-PricedMortgages53ALookattheHomeownersProtectionAct54SecureandFairEnforcementAct(SAFE)54HomeMortgageDisclosureAct54FCRA&FACTA54TheRedFlagRules55IntroductiontotheDoddFrankAct55MortgageAssistanceReliefServices(MARSRule)55IntroductiontotheUSAPatriotAct55IntroductiontotheGramm-Leach-BlileyAct55DoNotCallImplementationAct56MortgageFraudLawsataGlance56GeneralMortgageKnowledgeHistoryofMortgageLending56BasicLoanProducts56Guidances:AFederalReactiontoMortgageDownturn57FixedRateMortgages57AdjustableRateMortgagesandNegativeAmortization57QualifiedMortgagesandOtherMortgageTypes57LimitedandNo-IncomeVerificationLoans58TheNewMortgageProductLandscapeandLoanTerms58MortgageLoanOrigination(MLO)ActivitiesCompletingtheMortgageLoanApplication58SuitabilityofProductsandPrograms58PurposesofDisclosures59Qualification:Processing&UnderwritingPartI59Qualification:Processing&UnderwritingPartII59Qualification:Processing&UnderwritingPartIII59Ability-to-Repay/QualifiedMortgageRule60TheImportanceofAppraisals60MortgageTitle&Insurance60SpecificProgramGuidelines:FHA,VA,USDA60TheClosingProcess60FinancialCalculationsUsedinMortgageLending60EthicsEthics—FederalLawApplicability61Ethics—MortgageFraudandConsumerProtection61EthicalStandardsandIndustryBehaviors61Ethics,DisclosureandAppraisal61AdditionalMortgageCoursesAML&SARforMortgageLendersandOriginators61122CourseCatalogforBanksContinuingEd.
(ICB-ApprovedCourses)62AcceptingNegotiableInstruments62AdvertisingCompliance62AffiliateTransactions—RegulationW62AML&SARforMortgageLendersandOriginators62AMLforCustomerServiceRepresentatives62AMLforDirectorsandSeniorManagement62AMLforLenders62AMLforOperations62AMLforTellers62AML:WhatArePEPs62Anti-MoneyLaundering(AML)62Anti-TerrorismOverview62Anti-TyingRestrictions62BankBriberyAmendmentsAct62BankBroker/DealerExemptions—RegulationR62BankSecrecyAct(BSA)62BSAforCustomerServiceRepresentatives62BSAforDirectorsandSeniorManagement62BSAforLenders62BSAforOperations62BSAforTellers62BSA/AMLTrust62Check21ActOverview63CommercialComplianceOverview63CommunityReinvestmentActforInt.
Institutions63CommunityReinvestmentActforLargeInstitutions63CommunityReinvestmentActforSmallInstitutions63ConsumerLeasingAct—RegulationM63CurrencyTransactionReporting63CustomerandEnhancedDueDil.
63CustomerIdentificationProgram(CIP)63DepositComplianceOverview63EducationSavingsAccounts63ElderFinancialAbuse63ElectronicFundsTransferAct—RegE63EqualCreditOpportunityAct—RegB63ExpeditedFundsAvailabilityAct—RegCC63FairandAccurateCreditTransactionAct(FACTA)Over.
63FairCreditReportingAct(FCRA)63FairDebtCollectionPracticesAct(FDCPA)63FairHousingAct63FairLendingOverview63FederalDepositInsuranceCorporation(FDIC)63FederalRegulationofRealEstateAppraisals63Fedwire—RegulationJ63FloodInsurance63ForeignCorruptPracticesAct63GLBPrivacyAct(NoOpt-Out)63GLBPrivacyAct(Opt-out)63IRARollovers,Transfers&DirectRollovers63HighCostMortgages63HomeEquity63HomeMortgageDisclosureAct—RegC63IntroductiontoComplianceforTellers63IntroductiontoCreditCardRegulations63IRABeneficiaryOptions63IRAContributions63IRADistributions63IRARequiredMinimumDistributions63IRARollovers,TransfersandDirectRollovers63LoanstoExecutiveOfficers—RegulationO64NationalBankTrustActivities(12CFRPart9)64OfficeofForeignAssetsControl(OFAC)64PretextCallingandIdentityTheft64ProvidingServicetoCustomerswithDisabilities64RothIRA64Sarbanes-OxleyActOverview64RealEstateSettlementProceduresAct—RegX64RedFlagsofIdentityTheft64ReserveRequirements—RegulationD64ResidentialMortgage123—MortgageProcess64ResidentialMortgageA-B-C—MortgageRegulations64ReverseMortgage64RighttoFinancialPrivacyAct(RFPA)64RothIRA64SecurityofCustomerInformation64SecondLienRealEstateMortgageLoans64ServicemembersCivilReliefAct(SCRA)64SimpleIRABasics64SimplifiedEmployeePensionPlans64SubprimeandPredatoryLending64SuspiciousActivityReporting64SweepAccountDisclosureRequirements64TheS.
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Act64TraditionalIRAOverview64TrustLawBasics64TrustServices64TruthinLendingAct—RegZ64TruthinSavingsAct—RegDD64Unfair,DeceptiveorAbusiveActsorPractices(UDAAP)64Unfair,DeceptiveorAbusiveActsorPracticesfortheFin.
Inst.
64UnlawfulInternetGambling—RegulationGG64TILA—OpenEndLoans/CreditCards64TILA—UnsecuredOpen-EndLoans64TILA—InstallmentLoans—Non-RealEstateSecured64TILA—HomeEquityLinesofCredit(HELOC)64TILA—Closed-EndResidentialRealEstateLoans64TILA—BeyondBasics—CertainHomeMortgageLoans64123RecommendedCurriculumsByRole65nMortgageLenders66FederalMortgageLawsRealEstateSettlementProceduresActPartI66RealEstateSettlementProceduresActPartII66EqualCreditOpportunityAct66IntroductiontotheTruthinLendingAct66TILAAdvertising&RighttoRescission66TILADisclosureRequirements66HomeOwnershipandEquityProtectionAct66RegulationsforHigher-PricedMortgages66ALookattheHomeownersProtectionAct66SecureandFairEnforcementAct(SAFE)66HomeMortgageDisclosureAct66FCRA&FACTA66TheRedFlagRules66IntroductiontotheDoddFrankAct66MortgageAssistanceReliefServices(MARSRule)66IntroductiontotheUSAPatriotAct66IntroductiontotheGramm-Leach-BlileyAct66DoNotCallImplementationAct66MortgageFraudLawsataGlance66GeneralMortgageKnowledgeHistoryofMortgageLending66BasicLoanProducts66Guidances:AFederalReactiontoMortgageDownturn66FixedRateMortgages66AdjustableRateMortgagesandNegativeAmortization66QualifiedMortgagesandOtherMortgageTypes66LimitedandNo-IncomeVerificationLoans66TheNewMortgageProductLandscapeandLoanTerms66MortgageLoanOrigination(MLO)ActivitiesCompletingtheMortgageLoanApplication66SuitabilityofProductsandPrograms66PurposesofDisclosures66Qualification:Processing&UnderwritingPartI66Qualification:Processing&UnderwritingPartII66Qualification:Processing&UnderwritingPartIII66Ability-to-Repay/QualifiedMortgageRule66TheImportanceofAppraisals66MortgageTitle&Insurance66SpecificProgramGuidelines:FHA,VA,USDA66TheClosingProcess66FinancialCalculationsUsedinMortgageLending66EthicsEthics—FederalLawApplicability66Ethics—MortgageFraudandConsumerProtection66EthicalStandardsandIndustryBehaviors66Ethics,DisclosureandAppraisal66AdditionalMortgageCoursesAML&SARforMortgageLendersandOriginators66nProfessionalTellers67AcceptingNegotiableInstruments67AddingValueThroughCross-Selling67AddingValueThroughUp-Selling67AdvertisingCompliance67BombThreatsandOtherSecurityIssues67Cash-DrawerBalancing67Check21ActOverview67DepositsandWithdrawals67EthicsforBankers67ExpeditedFundsAvailabilityAct—RegulationCC67IntroductiontoComplianceforTellers67MoneyHandling67PretextCallingandIdentityTheft67ReserveRequirements—RegulationsDandQ67SafeDepositBoxes67nManagers&Supervisors68AddingValueThroughCross-Selling68AddingValueThroughUp-Selling68BecomingaCoach:BringingOuttheBestinEmployees68BecomingaLeader:CommunicationTechniques68thatMotivate,GuideandInspireEmployeestoExcelBusinessWriting68CoachingandFeedback68ConductingHigh-Impact,Low-StressPerformanceReview68ConvenienceProductsandServices68DepositComplianceOverview68DepositProducts68DiscriminationforManagers68EmployeeswithDisabilitiesforManagers68EthicsforBankers68FundamentalsofBankingI—TheBankingSystem68FundamentalsofBankingII—TheBankingInstitution68HandlingConflict68HarassmentforManager68HowtoLeadandParticipateEffectivelyinMeetings68IntroductiontoManagementBasics68IntroductiontoProjectManagementConcepts68LeadingPeopleThroughChange68MaketheConnection:HowtoBeEffectiveand68ProductiveonthePhoneMotivatingEmployeesDuringOrganizationalChange68SexualHarassmentforSupervisorsandManagers124CourseCatalogforBanksnPersonalBankers69ConsumerLeasingAct—RegulationM69DepositComplianceOverview69ElderFinancialAbuse69ElectronicFundsTransferAct—RegulationE69ExcessIRAContributions69FairDebtCollectionPracticesAct(FDCPA)69HealthSavingsAccounts(HSA)69IntroductiontoCreditCardRegulations69IRABeneficiaryOptions69IRAContributions69IRADistributions69IRARollovers,TransfersandDirectRollovers69NewAccountIDProcedures(CA-Specific)69RothIRAOverview69SIMPLEIRABasics69SimplifiedEmployeePension(SEP)Plans69TraditionalIRAOverview69ReserveRequirements—RegulationsDandQ69SafeDepositBoxes69TrustLawBasics69TrustServices69TruthinSavingsAct—RegulationDD69nGeneralBankers&Trainers70Anti-MoneyLaundering(AML)70Anti-BoycottRestrictions70BankSecrecyAct(BSA)70BombThreatsandOtherSecurityIssues70ConvenienceProductsandServices70CustomerIdentificationProgram(CIP)70ElectronicFundsTransferAct—RegulationE70ExpeditedFundsAvailabilityAct—RegulationCC70FairandAccurateCreditTransactionsAct(FACTA)70FederalDepositInsuranceCorporation(FDIC)70FundamentalsofBankingI––TheBankingSystem70FundamentalsofBankingII––TheBankingInstitution70Gramm-Leach-Bliley(GLB)PrivacyAct70OfficeofForeignAssetsControl(OFAC)70RedFlagsofIdentityTheft70RighttoFinancialPrivacyAct(RFPA)70Robberies70SecurityofCustomerInformationGuidelines70ByInterestArea71nAnti-MoneyLaundering72AMLTrackAnti-MoneyLaundering73BankSecrecyAct73CurrencyTransactionReporting73SuspiciousActivityReporting73WhatarePEPs73TellerTrackAMLforTellers74CaseStudies"DoYouHave30$100sfor150$20s"74"LittleBlueMen"74"Martino'sTavern&Bank"74"You'reintheMoney"74"WonderConstruction"74LenderTrackAMLforLenders75CaseStudiesCollateral75DidYouDoTheseYourself75I'veGotFriendsinHighPlaces!
75MeandMyShadow75TheFrenchConnection75OperationsTrackAMLforDirectors&SeniorManagers76AMLforOperations76CaseStudiesThePayOff76What'sMyLine76WhatKindofLaunderingOperationAreYouRunning76WhoDoYouKnowintheCaymans76WireYou,WireMe76CustomerServiceTrackAMLforCustomerServiceRepresentatives77CandelaisIndustries77CurrentonCurrencyTransactionReporting77DoNotOpenUntil….
77IsThereaMechanicintheHouse77TheTemporaryHoldingPattern77RelatedCoursesAnti-TerrorismOverview78CustomerIdentificationProgram(CIP)78EthicsforBankers78Frauds&Scams78OfficeofForeignAssetsControl(OFAC)78PretextCallingandIdentityTheft78SecurityOfCustomerInformation78125nBankSecrecyAct79BSATrackBankSecrecyAct80CurrencyTransactionReporting80SuspiciousActivityReporting80TellerTrackBSAforTellers81CaseStudiesALittleKnowledgeisDangerous81BusinessisBooming81ConnecttheDots81WhatareFriendsFor81LenderTrackBSAforLenders81CaseStudiesWhatCity,Please81WhatWillTheyThinkofNext81What'saLoanAmongFriends81OperationsTrackBSAforDirectors&SeniorManagement81TellerTrackBSAforTellers81CaseStudiesALittleKnowledgeisDangerous81BusinessisBooming81ConnecttheDots81WhatAreFriendsFor81LenderTrackBSAforLenders82WhatCity,Please82WhatWillTheyThinkofNext82What'saLoanAmongFriends82OperationsTrackBSAforDirectors&SeniorManagement83CaseStudiesLarry'sFoodMartorLarry'sLaundry83Miguel'sDilemma83CouponRedemption83GhostintheSystem83CustomerServiceTrackBSAforCustomerServiceRepresentatives84CollegeDaze84Hello,Stranger84IsItorIsn'tIt84TheOwl'sCry84There'sGottabeaBetterWay!
84SuggestedCoursesBankSecrecyAct(BSA)85CurrencyTransactionReporting85SuspiciousActivityReporting85RelatedCoursesAnti-MoneyLaundering85Anti-Terrorism85CustomerIdentificationPrograms85EthicsforBankers85Frauds&Scams85OfficeofForeignAssetsControl—OFAC85PretextCallingandIdentityTheft85SecurityofCustomerInformation85nCustomerInformationSecurityAwareness(CISA)86ACleanDeskPolicy86ComputerRoomSecurity86CustomerRequests86DataEncryptionStandards86IncidentResponseProgram86InteractiveVoiceResponseSystems86InternetBankingSecurity86IntrusionDetectionandFirewallSecurity87LaptopandPDASecurity87MagneticFileBackupandStorage87MediaandEquipment87NetworkComponentSecurity87Passwords87PCSoftwareControls87PINs87RemoteAccessStandards87SecuringCustomerInformation87SecuringNon-PublicAreas87SecuritySystemIssues87SocialEngineering88SocialMedia88VirtualPrivateNetworkSecurity88VirusandSpywarePrevention88PackagedTrainingSolutions89nBankSecrecyAct90nCompliance91nStandard96nPremium103nProfessionalDevelopmentMultimedia112nMortgageLendingEducation115CustomTrainingSolutions117www.
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