Since 2008, transactions at teller windows have fallen 25% nationwide.  This is just the beginning.  With consumers using and trusting mobile and remote technologies, in-branch-teller transactions may become rare events.  A recent survey indicated that consumers still want a convenient, physical branch, but only use it once a year.  If members no longer need branches, yet want them, what will branches be for?  This webinar will look at branch theories, concepts, and ideas from around the US and the world.  You might be surprised how financial institutions are experimenting to determine what the branch of the future will look like.

HIGHLIGHTS
* Creating your “Flagship Branch”
* Opening “Member Acquisition Branches” to bring in new – especially younger – members
* Developing mini and micro “Transaction and Community Branches” to serve members and give them a reason to come to you
* Establishing a robust “Contact Center” to deal with more-complex member calls and chats in this new, high-technology world
* Current and future technology that make branches unnecessary and relevant at the same time

WHO SHOULD ATTEND?
This informative session is designed for CEOs, directors, Supervisory Committee members, branch managers, management and staff in operations, sales, marketing, lending, strategy and technology, and others interested in the future of credit unions.

Attendance verification for CE credits provided upon request.

PLEASE NOTE:  The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone.

ABOUT THE PRESENTER – Tim Harrington, CPA, TEAM Resources
Tim Harrington is a Certified Public Accountant who specializes in working with community financial institutions.  Since 1996, Tim has been President of TEAM Resources, a firm which provides consulting, strategic planning, and training from coast-to-coast. 

A presenter at over 1,000 financial conferences, seminars, and webinars, Tim has provided consulting and training for hundreds of community financial institutions in nearly every state and four countries.  Tim advises boards and senior management teams on strategy, profitability, and governance and works with staff on leadership and lending.  In addition, he is a faculty member of three financial institution schools and is the author of the popular lending software “Lenders Tax Analyzer” and has taught lending personnel how to obtain monthly income from tax returns since 1992.

THREE REGISTRATION OPTIONS
Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

LIVE WEBINAR
The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, PIN number, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at www.adobe.com.

ON-DEMAND WEB LINK AND FREE CD ROM*
Can’t attend the live webinar? The on-demand web link is a recording of the live event, including audio, visuals, and handouts. We even provide the presenter’s email address so you may ask follow-up questions. Approximately one week prior to the webinar, you will receive an email with the web link. This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.
As an added bonus, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this “off-the-shelf” training program for those that could not attend the live seminar and for future training.
LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK
(INCLUDES FREE CD ROM*)
Options 1 and 2 described above

*CD ROM is for Mac and PC use only

REGISTRATION:
To register for this session or view registration options/costs, go to https://mscua.fed.cuwebtraining.com/store/webinar.

QUESTIONS?
If you have questions, email Financial Ed at mscua-hrd@cuwebtraining.com or call 406-442-2585.

Location: Webinar Map

Category: Board of Directors , Branch Management , Lending , Management , Marketing , Operations , Supervisory , Technology

Join us in the historic river city of Natchez, Mississippi at the Natchez Grand Hotel for the 2013 Louisiana - Mississippi Supervisory Committee Conference.  Whether you are a supervisory committee member, board member or CEO, this conference gives you a great opportunity to understand and implement successful principals that will enable you to become more effective in your role at your credit union.

Sessions & topics will include:

• Fraud in Credit Unions - Jeff Aucoin, CPA, CFF, CFE, CIA
• Understand the Three Main Financial Statements -- Balance Sheet, Income Statement, and Statement of Cash Flows - Jeff Rendel
• Working With Your Examiner - Valerie Bogart, NCUA
• Working With Your Board and Management Team - Jeff Rendel
• Understand the Requirements and Responsibilities of Each Supervisory Committee Member - Jeff Rendel
• Create a Succession and Development Plan for Your Supervisory Committee  -  Jeff Rendel
• BSA, OFAC, and CIP Training for CU Officials - Cheryl Oggs, CCUE
• Conference Review and Wrap Up - Liz Edmondson, CUDE, CUCE

ACCOMODATIONS
The conference is being hosted at the Natchez Grand Hotel.  Credit unions are responsible for making their own hotel reservations.  Our room rate at the Natchez Grand Hotel for this conference is $109.00 for single/double, plus taxes. The deadline to reserve rooms is May 20, 2013. Please refer to the conference information brochure for details and instructions for hotel reservations.

EDUCATIONAL INVESTMENT
Your educational investment is only $450 per person. Guests may attend for $95 per person.  Please see the conference informational brochure for full details.

REGISTER FOR THE CONFERENCE
Mississippi Credit Unions:  Mississippi Credit Unions can register online below or use the registration form in the conference information brochure.

Louisiana Credit Unions: Complete the registration form provided in the conference information brochure and submit to Jody Brooks by fax (504) 736-3677, email jbrooks@lcul.com, or call 800.452.7221, ext 3010.

CONFERENCE PAYMENT
Both Mississippi & Louisiana credit unions should make conference payments payable to MS League Services Corp. and mail to MSCUA, 1400 Lakeover Road, Ste. 200, Jackson, MS 39213-8000.

CANCELLATION
If notice is received at least ten business days before conference, we will refund your full registration.  A $75 cancellation fee will be charged for cancellations received later than ten business day before the conference.  No shows will not be refunded and will be billed.  Substitutions are always welcome.

SPECIAL NEEDS
If any attendee has physical, medical or dietary needs requiring special attention, please contact Tom McWilliams PRIOR to the event at 800-748-8627/601-981-4552 ext. 310 or email tmcwilliams@mscua.com. Conference attendees should bring a light sweater or jacket for personal comfort as meeting room temperature may vary.

QUESTIONS?
Please contact Tom McWilliams using the information listed above.

Location: Natchez Grand Hotel Map

Category: Supervisory

The Consumer Financial Protection Bureau (CFPB) has tentatively scheduled the integrated Early TIL/GFE and Final TIL/HUD for release in September 2013.  Unfortunately, the result of this delay means that financial institutions will have to live with the current Good Faith Estimate and HUD-1 disclosures for longer than originally anticipated.  From the time of issuance, you will have to wait a number of months for appropriate programming, meaning that the industry will have to continue the struggle with the existing forms well into 2014.  This webinar is designed to address the current issues that continue to challenge all of us.

HIGHLIGHTS
* The rules for the current forms
* “Hot button” regulator issues regarding the GFE and HUD-1
* Results of reviews and common issues
* Form areas that pose the biggest risks for reimbursements
* Review techniques that will be effective for the current forms

Attendance verification for CE credits provided upon request.

WHO SHOULD ATTEND?
This informative session would best suit consumer real estate lenders, loan processors, auditors, senior lenders, underwriters, and others who participate in the consumer real estate function.

PLEASE NOTE:  The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone.

ABOUT THE PRESENTER – Bill Elliott, CRCM, Young & Associates, Inc.
Bill Elliott has over 30 years of banking experience.  As a senior compliance consultant and manager of the compliance division with Young & Associates, Inc., Bill works on a variety of compliance-related issues, including leading compliance seminars, conducting compliance reviews, conducting in-house training, and writing compliance articles and training materials.
Bill’s career includes 15 years as a compliance officer and CRA officer in a large community bank, as well as working at a large regional bank.  He has experience with consumer, commercial, and mortgage loans, and has managed a variety of bank departments, including loan review, consumer/commercial loan processing, mortgage loan processing, loan administration, credit administration, collections, and commercial loan workout.

THREE REGISTRATION OPTIONS
Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

LIVE WEBINAR
The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, PIN number, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at www.adobe.com.

ON-DEMAND WEB LINK AND FREE CD ROM*
Can’t attend the live webinar? The on-demand web link is a recording of the live event, including audio, visuals, and handouts. We even provide the presenter’s email address so you may ask follow-up questions. Approximately one week prior to the webinar, you will receive an email with the web link. This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.
As an added bonus, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this “off-the-shelf” training program for those that could not attend the live seminar and for future training.
LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK
(INCLUDES FREE CD ROM*)
Options 1 and 2 described above

*CD ROM is for Mac and PC use only

REGISTRATION:
To register for this session or view registration options/costs, go to https://mscua.fed.cuwebtraining.com/store/webinar.

QUESTIONS?
If you have questions, email Financial Ed at mscua-hrd@cuwebtraining.com or call 406-442-2585.

Location: Webinar Map

Category: Audit , Lending , Real Estate

The ability to repay concept is simple – make sure the borrower can pay before you make the mortgage loan.  The CFPB’s final pronouncement on this simple concept contained 236,000 words.  This webinar is the first of two presentations on this topic.  It will address the management impact of this new rule and the decisions that must be made in the mortgage loan and asset liability management areas.  The definition and impacts of “qualified mortgages” and “unqualified mortgages” will be covered, as well as the “points and fees” test.  This test is one of the two tests required to determine qualified or unqualified status.  (The actual ability to repay calculation and the proper approach for balloon mortgages will be included in Part 2 on August 1.)

HIGHLIGHTS
* The concept
* How this new regulation affects risk management
* Decisions that need to be made and the timing of those decisions
* Definitions and their impact
* The points and fees test
* TAKE-AWAY TOOLKIT
  o “Quick review” chart to assist your credit union in making decisions about the fees you charge that are included in “points and fees” and what charges can be omitted

DON’T MISS PART 2!
This program is the first of two in a series.  Watch for “Ability to Repay, Part 2 – What Your Lending Staff Needs to Do to Comply: Deadline January 10, 2014” on Thursday, August 1, 2013.

Attendance verification for CE credits provided upon request.

WHO SHOULD ATTEND?
This informative session is designed for senior management, including those with responsibilities for loan management and asset liability management.  Lenders, compliance personnel, underwriters, and loan processors will also benefit from this webinar.

PLEASE NOTE:  The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone.

ABOUT THE PRESENTER – Bill Elliott, CRCM, Young & Associates, Inc.
Bill Elliott has over 30 years of banking experience.  As a senior compliance consultant and manager of the compliance division with Young & Associates, Inc., Bill works on a variety of compliance-related issues, including leading compliance seminars, conducting compliance reviews, conducting in-house training, and writing compliance articles and training materials.
Bill’s career includes 15 years as a compliance officer and CRA officer in a large community bank, as well as working at a large regional bank.  He has experience with consumer, commercial, and mortgage loans, and has managed a variety of bank departments, including loan review, consumer/commercial loan processing, mortgage loan processing, loan administration, credit administration, collections, and commercial loan workout.

THREE REGISTRATION OPTIONS
Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

LIVE WEBINAR
The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, PIN number, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at www.adobe.com.

ON-DEMAND WEB LINK AND FREE CD ROM*
Can’t attend the live webinar? The on-demand web link is a recording of the live event, including audio, visuals, and handouts. We even provide the presenter’s email address so you may ask follow-up questions. Approximately one week prior to the webinar, you will receive an email with the web link. This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.
As an added bonus, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this “off-the-shelf” training program for those that could not attend the live seminar and for future training.
LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK
(INCLUDES FREE CD ROM*)
Options 1 and 2 described above

*CD ROM is for Mac and PC use only

REGISTRATION:
To register for this session or view registration options/costs, go to https://mscua.fed.cuwebtraining.com/store/webinar.

QUESTIONS?
If you have questions, email Financial Ed at mscua-hrd@cuwebtraining.com or call 406-442-2585.

Location: Webinar Map

Category: Compliance , Lending , Management

What you don’t say can be a compliance violation!  What you do say can be a compliance violation!  Confusing?  Absolutely!  Whether it is print media, radio, TV, lobby posters, brochures, or the Internet, multiple regulations impact your credit union’s advertising.  You must be knowledgeable to avoid compliance pitfalls.  However, rules and regulations can be costly to implement and difficult to interpret.  This session covers the numerous rules and regulations that restrict advertising content and mandate specific disclosures, as well as the form and content of all types of advertising.  Risking noncompliance is not an option!  A single regulatory violation, or worse, a pattern of violations, can lead to regulatory fines and potential lawsuits.

HIGHLIGHTS
* Unfair, deceptive, and abusive advertising practices
* Special rules for websites and mobile banking
* Restrictions on use of email, fax, and telephone solicitations
* Copyright and trademark infringement
* Promotional contests and prizes
* TAKE-AWAY TOOLKIT
   o Advertising compliance checklist to ensure you don’t forget an important requirement

Attendance verification for CE credits provided upon request.

WHO SHOULD ATTEND?
This informative session is designed for marketing personnel, compliance officers, legal officers, and managers.

PLEASE NOTE:  The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone.

ABOUT THE PRESENTER – Elizabeth Fast, JD, CPA, Spencer Fane Britt & Browne, LLP
Elizabeth Fast is a partner with Spencer Fane Britt & Browne LLP where she specializes in the representation of financial institutions.  Elizabeth is the head of the firm’s training division.  She received her law degree from the University of Kansas and her undergraduate degree from Pittsburg State University.  In addition, she has a Master of Business Administration degree and she is a Certified Public Accountant.  Before joining Spencer Fane, she was General Counsel, Senior Vice President, and Corporate Secretary of a $9 billion bank with more than 130 branches, where she managed all legal, regulatory, and compliance functions.  She is a member of the Missouri State Banking Board by appointment of the Governor.

THREE REGISTRATION OPTIONS
Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

LIVE WEBINAR
The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, PIN number, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at www.adobe.com.

ON-DEMAND WEB LINK AND FREE CD ROM*
Can’t attend the live webinar? The on-demand web link is a recording of the live event, including audio, visuals, and handouts. We even provide the presenter’s email address so you may ask follow-up questions. Approximately one week prior to the webinar, you will receive an email with the web link. This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.
As an added bonus, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this “off-the-shelf” training program for those that could not attend the live seminar and for future training.
LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK
(INCLUDES FREE CD ROM*)
Options 1 and 2 described above

*CD ROM is for Mac and PC use only

REGISTRATION:
To register for this session or view registration options/costs, go to https://mscua.fed.cuwebtraining.com/store/webinar.

QUESTIONS?
If you have questions, email Financial Ed at mscua-hrd@cuwebtraining.com or call 406-442-2585.

Location: Webinar Map

Category: Compliance , Legal , Lending , Marketing

Please click here for 2013 America's Credit Union Conference & Expo details and registration.

Location: New York, NY Map

ACH origination responsibilities don't stop once you receive the files from your originators and send them to the ACH Network.  You then have daily operational tasks, issues, and exceptions to address.  This webinar will review the most-common daily ODFI exception issues and errors and determine the appropriate course of action for each.  It will also address the advanced responsibilities of ACH origination by explaining how to develop effective daily ACH monitoring procedures and identify helpful tools to assist in the process.

HIGHLIGHTS
*    Evaluate origination issues and errors, determining the appropriate courses of action for each
*    Key areas of ACH origination that need monitoring
*    Best practices intended to increase ACH Rules compliance and minimize potential risk and loss
*    TAKE-AWAY TOOLKIT
o    Electronic training log
o    Quiz you can administer to measure staff learning and a separate answer key

This course is eligible for 1.8 AAP credits.
Attendance verification for CE credits provided upon request.

WHO SHOULD ATTEND?
This informative session is designed for ACH operations and audit/compliance staff.

PLEASE NOTE:  The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone.

ABOUT THE PRESENTER – Shelly Simpson, AAP, EPCOR
Shelly Simpson, AAP, joined EPCOR following an 11-year career with the Federal Reserve Bank of Kansas City.  As EPCOR's Payments Education Assistant Director, she designs and conducts education programs in support of ACH, cards, and checks to over 2,300 financial institutions and corporate members.  Shelly presents at regional and national industry conferences as an ACH payments expert and received her Accredited ACH Professional designation in October 2006.  She has been an active member on several NACHA workgroups and committees, including the AAP Blue Ribbon Panel, and holds a Bachelor's degree in Business Education.

THREE REGISTRATION OPTIONS
Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

LIVE WEBINAR
The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, PIN number, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at www.adobe.com.

ON-DEMAND WEB LINK AND FREE CD ROM*
Can't attend the live webinar? The on-demand web link is a recording of the live event, including audio, visuals, and handouts. We even provide the presenter's email address so you may ask follow-up questions. Approximately one week prior to the webinar, you will receive an email with the web link. This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.
As an added bonus, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this "off-the-shelf" training program for those that could not attend the live seminar and for future training.
LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK
(INCLUDES FREE CD ROM*)
Options 1 and 2 described above

*CD ROM is for Mac and PC use only

REGISTRATION:
To register for this session or view registration options/costs, go to https://mscua.fed.cuwebtraining.com/store/webinar.

QUESTIONS?
If you have questions, email Financial Ed at mscua-hrd@cuwebtraining.com or call 406-442-2585.

Location: Webinar Map

Category: ACH , Compliance , Operations

Collecting consumer debt is always a challenge – it's even more of a challenge after the borrower has passed away!  Who can and can't you contact?  Do you know what you can and can't say?  What recourse do you have?  Who is liable for the debt?  Aren't the decedent's assets supposed to be used to pay debts?  Who can make that happen?  What happens to your collateral? 

To clarify matters, the FTC issued rules that affect consumer lenders' attempts to collect debts owed by deceased borrowers.  However, those rules do not govern all lenders.  Whether or not they directly apply to you, violations may still be used against you!  Join us to learn more about the FTC rules and other important laws and concepts that affect the way you collect decedents' accounts. 

HIGHLIGHTS
*    When may you discuss the debt with someone who did not sign the credit agreement?
*    Difference between formal and informal estate administration, why it matters, and how to handle each
*    Options when decedents' property is not used to pay their debts
*    When funds held on deposit may and may not be applied to a decedent's unpaid debt
*    The financial institution's rights regarding property pledged as collateral.  What if the person who has it won't release it?
*    The creditor's rights when a relative or friend of the decedent has (or is living in) your collateral
*    Why some of a deceased borrower's assets are beyond the reach of creditors
*    The Consumer Financial Protection Bureau's role
*    TAKE-AWAY TOOLKIT
o    Sample letters to assist in collecting decedents' accounts
o    Electronic training log
o    Quiz you can administer to measure staff learning and a separate answer key

Attendance verification for CE credits provided upon request.

WHO SHOULD ATTEND?
This informative session is for collection officers, collection support staff, management, loan officers, and other lending personnel.

PLEASE NOTE:  The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone.

ABOUT THE PRESENTER – Eric North, JD, NorthLegal Training and Publications
Eric North has represented the interests of consumer lending institutions as an attorney for over twenty-five years.  His practice includes the representation of consumer lending institutions in court proceedings as well as counseling regarding dispute resolution, compliance, and contractual matters to help avoid litigation when possible and prevail in litigation when necessary.  He has appeared in cases in federal and state courts – primarily in California, where he is licensed to practice, and before the Ninth Circuit Court of Appeals.

Prior to becoming an attorney, Eric worked within the consumer finance industry in management, lending, collections, and operations.  In addition to practicing law, Eric devotes a significant portion of his time providing training to help consumer-lending institutions and their attorneys understand and comply with the laws that govern them.

THREE REGISTRATION OPTIONS
Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

LIVE WEBINAR
The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, PIN number, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at www.adobe.com.

ON-DEMAND WEB LINK AND FREE CD ROM*
Can't attend the live webinar? The on-demand web link is a recording of the live event, including audio, visuals, and handouts. We even provide the presenter's email address so you may ask follow-up questions. Approximately one week prior to the webinar, you will receive an email with the web link. This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.
As an added bonus, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this "off-the-shelf" training program for those that could not attend the live seminar and for future training.
LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK
(INCLUDES FREE CD ROM*)
Options 1 and 2 described above

*CD ROM is for Mac and PC use only

REGISTRATION:
To register for this session or view registration options/costs, go to https://mscua.fed.cuwebtraining.com/store/webinar.

QUESTIONS?
If you have questions, email Financial Ed at mscua-hrd@cuwebtraining.com or call 406-442-2585.

Location: Webinar Map

Category: Collections , Lending , Management

Internet fraud has grown tremendously and the losses are staggering.  Credit unions face huge liability risks for unauthorized withdrawals from deposit accounts if a cyber criminal obtains access to a member's online security credentials.  UCC Article 4A permits the credit union to shift liability to the commercial member in certain situations, while Reg E provides more protection for the consumer member.  But in all situations, the law imposes a duty on the credit union to utilize commercially-reasonable security procedures.  This webinar will explain who is legally liable for various types of Internet fraud and what your credit union can do to guard against liability in both commercial and consumer situations.

HIGHLIGHTS
*    Credit union liability under Reg E for consumer accounts
*    Credit union liability under UCC Article 4A for commercial accounts
*    What constitutes reasonable security procedures?
*    Special NACHA rules for ACH transactions
*    Review of FFIEC guidance Supplement to Authentication in an Internet Banking Environment
*    Important provisions to include in your contracts
*    TAKE-AWAY TOOLKIT
o    One way to guard against Internet fraud claims is to have a well-drafted contract.  You will receive a sample online contract that can be adapted for your credit union.
o    FFIEC guidance Supplement to Authentication in an Internet Banking Environment
o    Electronic training log
o    Quiz you can administer to measure staff learning and a separate answer key

Attendance verification for CE credits provided upon request.

WHO SHOULD ATTEND?
This informative session will be useful to deposit operations personnel and managers, member service representatives, compliance staff, technology personnel, fraud investigators, and auditors.

PLEASE NOTE:  The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone.

ABOUT THE PRESENTER – Elizabeth Fast, JD, CPA, Spencer Fane Britt & Browne, LLP
Elizabeth Fast is a partner with Spencer Fane Britt & Browne LLP where she specializes in the representation of financial institutions.  Elizabeth is the head of the firm's training division.  She received her law degree from the University of Kansas and her undergraduate degree from Pittsburg State University.  In addition, she has a Master of Business Administration degree and she is a Certified Public Accountant.  Before joining Spencer Fane, she was General Counsel, Senior Vice President, and Corporate Secretary of a $9 billion bank with more than 130 branches, where she managed all legal, regulatory, and compliance functions.  She is a member of the Missouri State Banking Board by appointment of the Governor.

THREE REGISTRATION OPTIONS
Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

LIVE WEBINAR
The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, PIN number, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at www.adobe.com.

ON-DEMAND WEB LINK AND FREE CD ROM*
Can't attend the live webinar? The on-demand web link is a recording of the live event, including audio, visuals, and handouts. We even provide the presenter's email address so you may ask follow-up questions. Approximately one week prior to the webinar, you will receive an email with the web link. This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.
As an added bonus, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this "off-the-shelf" training program for those that could not attend the live seminar and for future training.
LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK
(INCLUDES FREE CD ROM*)
Options 1 and 2 described above

*CD ROM is for Mac and PC use only

REGISTRATION:
To register for this session or view registration options/costs, go to https://mscua.fed.cuwebtraining.com/store/webinar.

QUESTIONS?
If you have questions, email Financial Ed at mscua-hrd@cuwebtraining.com or call 406-442-2585.

Location: Webinar Map

Category: Audit , Compliance , Fraud , Management , Member Service , Operations , Technology

REGISTRATION IS OPEN!

Get event details & registration forms at http://www.srcus.org/directors/index.php.

Southeast Regional Directors Conference, July 14 - 17, 2013, Charleston, SC

Location: Charleston, SC Map

Capital is King!  While you may have enough capital at the moment, a key board and management function is to continually scan the horizon to determine if your credit union will continue to have enough capital under changing market conditions.  Asset/Liability Management (ALM) is the term employed for the various tools and philosophies used to estimate future changes in capital.  There is no single ALM method or best measuring system.  That is because ALM is as much art as science. This webinar will look at various concepts, tools, and measurements that credit unions use to help understand what changing market conditions may do to capital.

HIGHLIGHTS
*    Basic concepts of loan/deposit management
*    How gap analysis can help estimate future changes in net income
*    How computerized income simulations can help management
*    Understand what NEV is and what a useful tool it is in predicting risk
*    Sample ALM process that can be used monthly

*    TAKE-AWAY TOOLKIT
o    Capital growth calculator – a simple Excel-based calculator that allows you to use asset growth, predicted ROA, and capital to determine where the credit union will be up to five years from now
o    Dash board template to help monitor key ratios over time.
o    Electronic training log
o    Quiz you can administer to measure staff learning and a separate answer key

Attendance verification for CE credits provided upon request.

WHO SHOULD ATTEND?
This informative session is designed for directors, Supervisory Committee members, CEOs, managers, and senior management.

PLEASE NOTE:  The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone.

ABOUT THE PRESENTER – Tim Harrington, CPA, TEAM Resources
Tim Harrington is a Certified Public Accountant who specializes in working with community financial institutions.  Since 1996, Tim has been President of TEAM Resources, a firm which provides consulting, strategic planning, and training from coast-to-coast. 

A presenter at over 1,000 financial conferences, seminars, and webinars, Tim has provided consulting and training for hundreds of community financial institutions in nearly every state and four countries.  Tim advises boards and senior management teams on strategy, profitability, and governance and works with staff on leadership and lending.  In addition, he is a faculty member of three financial institution schools and is the author of the popular lending software "Lenders Tax Analyzer" and has taught lending personnel how to obtain monthly income from tax returns since 1992.

THREE REGISTRATION OPTIONS
Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

LIVE WEBINAR
The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, PIN number, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at www.adobe.com.

ON-DEMAND WEB LINK AND FREE CD ROM*
Can't attend the live webinar? The on-demand web link is a recording of the live event, including audio, visuals, and handouts. We even provide the presenter's email address so you may ask follow-up questions. Approximately one week prior to the webinar, you will receive an email with the web link. This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.
As an added bonus, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this "off-the-shelf" training program for those that could not attend the live seminar and for future training.
LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK
(INCLUDES FREE CD ROM*)
Options 1 and 2 described above

*CD ROM is for Mac and PC use only

REGISTRATION:
To register for this session or view registration options/costs, go to https://mscua.fed.cuwebtraining.com/store/webinar.

QUESTIONS?
If you have questions, email Financial Ed at mscua-hrd@cuwebtraining.com or call 406-442-2585.

Location: Webinar Map

Category: Board of Directors , Management , Supervisory

Overview:
Your member opened a firefighter’s house fund in 1990 as a personal account.  He is now deceased and the funds end up with his estate instead of the firefighters who should have owned it.  What happened?  Are we opening nonprofit organizations so that they are personal accounts or entity accounts?  Have you improperly placed joint owners on nonprofit organizations and used social security numbers?  If so, it is time to work on getting these accounts with the proper paperwork, account cards, account authorization cards and memberships that they should have.  You will learn how to open all kinds of these accounts and do it properly to protect your member and the group that he or she serves. 

What you will learn:
-How to open accounts for tragedies, benefits and memorials
-How to open clubs, civic organizations and nonprofit groups that are large
-How to open small organizations such as bowling leagues, hunting clubs and flower funds
-Membership issues on nonprofit organizations
-Changing signatories on nonprofit organization
-Taxpayer identification numbers

Who should attend?
New Member Representatives, Tellers, Training Department, Branch Managers, Branch Operations, Call Center Representatives and anyone who works the frontline

Instructor:
Deborah L Crawford is the President of Gettechnical Inc. a Baton Rouge based company.  She is a graduate of Louisiana State University with her Bachelor and Masters degrees.  She is a seminar leader in many state associations and leagues and brings a wealth of knowledge from years of training credit unions across the country.  Her 25+ years of training began at Hibernia National Bank in New Orleans.  Her detailed materials and common sense approach have made her a favorite with credit union employees. 

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Registration is also open for these upcoming 2013 Debbie Crawford webinars:

• 08/14 - The New SAR and Your AML
• 09/24 - Do's and Don'ts of Setting Up Accounts for Minors
• 10/09 - Frontline Annual Regulation Training: This Will Fulfill Annual Training Requirements For Share Regulations
• 11/14 - The Complete BSA Officer Training: Regulations, Exam Manual, CTRs and SARs
• 12/10 - Year- End Share Compliance Roundup: Checking to see if everything is done for 2013

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Also Available: 2013 Mississippi Share Accounts Manual
The 2013 Mississippi Share Accounts Manual is complete and now available for purchase through the Mississippi Credit Union Association.  The manual is written and produced by Deborah Crawford and the Gettechnical team. The over 600 page manual contains everything you need to open share accounts completely and correctly, covering topics such as: types of ownership, Customer Identification Program, Customer Due Diligence, the New Member Interview, and more.

The manual is on CD for your convenience and is available for $149.00 per copy. To order, please email Tom McWilliams & include the following: credit union name, contact name & mailing address.

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Location: Webinar Map

Category: Accounts , Branch Management , Branch Operations , Front Line Training , Human Resources , Member Service , Operations , Teller

Every day, frontline personnel help members with financial transactions.  Most of the time, those transactions are uneventful.  But what about instances when a teller is faced with an unusual transaction, unusual behavior, or situations that require extra due diligence?  Often, this doesn't even involve extraordinary situations.  Yet the credit union may still take a loss, whether from a bad check, identity theft, elder financial abuse, or dealing with someone who may not have authority on an account.  In addition, what about simple human mistakes?

From verifying someone's authority to transact to recognizing suspicious activity, every teller should strive to improve performance and guard against loss.  How do you deal with endorsement issues, account-ownership disputes, and schemes designed to defraud?  How can you protect the member and the credit union?  How does your position on the frontline uniquely enable you to avoid loss?  What if a member is trying to "pull a fast one" on you?  Join us for this webinar and learn how to spot certain signs and activities that indicate fraud attempts.

HIGHLIGHTS
*    Who can negotiate a check, including checks payable to multiple parties or to someone in a fiduciary capacity?
*    What are some common tricks that will help spot an imposter/identity thief?
*    How to identify potential loss situations from common scams
*    How Red Flags for Identity Theft and BSA/Anti-Money Laundering training benefits you daily
*    How can you ask more questions about a suspicious transaction without alienating a member?

*    TAKE-AWAY TOOLKIT
o    Checklist of common financial scams
o    Internet reference links to materials on fraud
o    Scam lobby poster from the FBI
o    Fraudulent check warning signs
o    Electronic training log
o    Quiz you can administer to measure staff learning and a separate answer key

Attendance verification for CE credits provided upon request.

WHO SHOULD ATTEND?
This informative session is designed for tellers, member service representatives, new accounts staff, and supervisors.

PLEASE NOTE:  The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone.

ABOUT THE PRESENTER – Mary-Lou Heighes, CUCE, Compliance Plus, Inc.
Mary-Lou Heighes is President and founder of Compliance Plus, Inc.  Involved in the credit union movement since 1989, she spent 5 years working in credit unions in almost every position, including loan officer, marketer, and collector.  She also worked at the California Credit Union League for 7 years, providing compliance assistance and advising credit unions of regulatory changes.  While at the league and for several years thereafter, Mary-Lou advised on state and federal legislative issues.

Compliance Plus, Inc. was founded in 2000 to provide compliance assistance to credit unions.  Since then, Mary-Lou has helped credit unions with developing compliance programs, provided compliance training nationwide, and spoken at numerous credit union conferences throughout the country.  She has been an instructor at Regulatory Compliance Schools, conducts dozens of webinars for credit-union-related organizations throughout the country, and has written articles for Credit Union Magazine.

THREE REGISTRATION OPTIONS
Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

LIVE WEBINAR
The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, PIN number, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at www.adobe.com.

ON-DEMAND WEB LINK AND FREE CD ROM*
Can't attend the live webinar? The on-demand web link is a recording of the live event, including audio, visuals, and handouts. We even provide the presenter's email address so you may ask follow-up questions. Approximately one week prior to the webinar, you will receive an email with the web link. This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.
As an added bonus, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this "off-the-shelf" training program for those that could not attend the live seminar and for future training.
LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK
(INCLUDES FREE CD ROM*)
Options 1 and 2 described above

*CD ROM is for Mac and PC use only

REGISTRATION:
To register for this session or view registration options/costs, go to https://mscua.fed.cuwebtraining.com/store/webinar.

QUESTIONS?
If you have questions, email Financial Ed at mscua-hrd@cuwebtraining.com or call 406-442-2585.

Location: Webinar Map

Category: Accounts , Branch Management , Member Service , Teller

Financial regulators are reviewing your institution's real estate appraisal practices for compliance with regulatory guidance statements and regulations.  They expect management to have developed an appraisal and evaluation policy that provides guidelines for obtaining appropriate valuation documents, including ordering and reviewing the documents; on-going monitoring of market values in your lending area; and obtaining updated or new valuation documents as required by guidance statements and/or regulations.  Additionally, management must prepare for required changes to their current appraisal process for higher-priced mortgage loans, effective January 18, 2014.  This session will also discuss appraisal weaknesses that financial regulators have cited in legal documents in filings against failed financial institutions.

HIGHLIGHTS
*    Adequacy of current program
      o    Independence
      o    Engagement letters
      o    Communications between staff and appraiser
      o    Review process
      o    Resolution of deficiencies
      o    Documenting appraiser/evaluator's performance
      o    Required referrals to regulators
*    Upcoming required changes
      o    Appraisals for higher-priced mortgage loans:  joint statement final rule
      o    Covered loans and exempt loans
      o    Required changes
*    Collateral valuation requirements
      o    At loan origination
      o    Life-of-loan monitoring
*    Business loans – annual review
*    Residential 1-4 family mortgages including junior liens
      o    Refinance or additional loan
      o    Loan modifications and workout loans
      o    TDRs and collateral-dependent loans
      o    OREO properties

*    TAKE-AWAY TOOLKIT
o    Electronic training log
o    Quiz you can administer to measure staff learning and a separate answer key

Attendance verification for CE credits provided upon request.

WHO SHOULD ATTEND?
This informative session is directed to senior management including CEOs, CFOs, treasurers, risk managers, auditors, loan review personnel, loan officers, and anyone responsible for analyzing and documenting real estate loan transactions.

PLEASE NOTE:  The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone.

ABOUT THE PRESENTER – S. Wayne Linder, Young & Associates, Inc.
With over 30 years as a banking veteran, Wayne Linder was formerly the CEO of a community bank.  At Young & Associates, Inc., Wayne works as a senior lending and management consultant.  He performs loan reviews; assists financial institutions under regulatory enforcement agreements; performs management and board of director assessments; and develops and implements written policies throughout all areas of the financial institution.  Wayne is a popular seminar speaker with both national and international experience. In addition to his many published articles, he is the author of Loan Review Deskbook.

THREE REGISTRATION OPTIONS
Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

LIVE WEBINAR
The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, PIN number, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at www.adobe.com.

ON-DEMAND WEB LINK AND FREE CD ROM*
Can't attend the live webinar? The on-demand web link is a recording of the live event, including audio, visuals, and handouts. We even provide the presenter's email address so you may ask follow-up questions. Approximately one week prior to the webinar, you will receive an email with the web link. This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.
As an added bonus, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this "off-the-shelf" training program for those that could not attend the live seminar and for future training.
LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK
(INCLUDES FREE CD ROM*)
Options 1 and 2 described above

*CD ROM is for Mac and PC use only

REGISTRATION:
To register for this session or view registration options/costs, go to https://mscua.fed.cuwebtraining.com/store/webinar.

QUESTIONS?
If you have questions, email Financial Ed at mscua-hrd@cuwebtraining.com or call 406-442-2585.

Location: Webinar Map

Category: Audit , Human Resources , Lending , Management , Real Estate , Risk Management

Perpetrators just keep getting smarter and craftier!  Red Flags for Identity Theft, the Bribery Act, and the Privacy Act require regular training for ALL employees.  Examiners report that they are not seeing sufficient training in these areas.  This session will cover the specific types of identity theft that staff may encounter – from lending to frontline to operations.  In addition, you'll learn about bribery technical requirements that should be included in policies and procedures. The section on privacy will provide "common sense" information regarding everyday handling of consumer information.

The materials will include training tools and useful resources for monitoring and effectively managing compliance.  This session will cover these three areas in enough depth to fulfill training requirements and arm your staff with the necessary information to ensure successful regulator review.

HIGHLIGHTS
*    Red Flags for Identity Theft:  What should different departments know?  What are indicators that a member's identity may have been compromised?
*    Bank Bribery Act: Sample policy language (a code of conduct of sorts) to ensure strong policy
*    Privacy of consumer financial information sample policy language

*    TAKE-AWAY TOOLKIT
o    Cheat sheet of Bank Bribery Act major requirements to teach employees the rules
o    Cheat sheet of consumer privacy chief requirements
*    Handout will include policy language for both to help develop or strengthen policy

IMPORTANT TOOLS PROVIDED
This training will include the following items so that you are able to provide solid documentation for examiners:
*    Letter of attendance certification with webinar outline
*    Electronic training log
*    Quiz you can administer to measure staff learning and a separate answer key

All registrants will receive the attendance certification and training log, regardless of whether they attend the live or archived version.

Attendance verification for CE credits provided upon request.

WHO SHOULD ATTEND?
This informative session is designed for all staff, especially compliance officers and auditors.

PLEASE NOTE:  The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone.

ABOUT THE PRESENTER – Ann Brode, Brode Consulting Services, Inc.
Ann Brode began her career in 1973 and has continued her service as a consultant to regional and community financial institutions through a wide range of areas including strategic planning, lending, deposits, marketing, training, compliance, and management.  Ann is a well-respected presenter and has spoken to audiences across the country for 25 years.  She has presented sessions for numerous state associations and has taught at the School of Banking Administration at the University of Wisconsin as well as many other state banking schools.  Ann is the author of The Bank Deposit Documentation Manual for Front-Line Personnel, published by Bankers Publishing Company, and is well represented in numerous industry publications.

THREE REGISTRATION OPTIONS
Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

LIVE WEBINAR
The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, PIN number, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at www.adobe.com.

ON-DEMAND WEB LINK AND FREE CD ROM*
Can't attend the live webinar? The on-demand web link is a recording of the live event, including audio, visuals, and handouts. We even provide the presenter's email address so you may ask follow-up questions. Approximately one week prior to the webinar, you will receive an email with the web link. This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.
As an added bonus, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this "off-the-shelf" training program for those that could not attend the live seminar and for future training.
LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK
(INCLUDES FREE CD ROM*)
Options 1 and 2 described above

*CD ROM is for Mac and PC use only

REGISTRATION:
To register for this session or view registration options/costs, go to https://mscua.fed.cuwebtraining.com/store/webinar.

QUESTIONS?
If you have questions, email Financial Ed at mscua-hrd@cuwebtraining.com or call 406-442-2585.

Location: Webinar Map

Category: Audit , Compliance

Registration is open for CUNA Mutual Group’s 2013 Credit Union Protection Webinar series – 10 risk management sessions available exclusively for the insurer’s fidelity bond policyholders.

For registration information, go to the Credit Union Protection Resource Center: www.cunamutual.com/cuprotectionwebinars. Participants must be logged in to view and register for webinars. For those without log-in credentials click on “Register for a User ID” in the My Services section of cunamutual.com.

In the 2013 series:
Wire Transfer Fraud, Jan. 16
Sophisticated wire transfer scams have replaced simple phone calls and Dumpster-diving tactics. Learn how criminals are perpetrating remote schemes and how to prevent incurring large losses associated with this fraud.

Employee Dishonesty, Feb. 13
Employee dishonesty can have a financial and reputational impact that many credit unions are not prepared to handle. This session will discuss the latest loss activity trends, how to identify behavioral red flags and simple steps to help reduce the risk of employee dishonesty.

Electronic Documents & Signatures, March 20
Electronic documents and electronic signatures can improve efficiency in credit unions but also create risks. Learn where and how to use this kind of technology, and get a better understanding of the operational risks and compliance and legal issues.

Handling the Aging Workplace & Worker Safety, April 17
The number of workers over age 55 has increased rapidly. Presenters will discuss the realities of the aging workforce, the impact it can have on safety, and practical ideas to help reduce disabling workplace injuries that cost businesses multi-millions in annual expenses.

Employment Practices, May 15
In these turbulent economic times, workplace discrimination charges and employment practices liability lawsuits are rising. Learn about the latest workplace issues and actionable steps to reduce your employment practices liability claims exposure.

Communication, Social Media & Crisis Management, July 24
Communication is key during a crisis. This session will discuss case studies showing the importance of real-time communication, as well as steps to include in your disaster plan and how social media can assist in your disaster response.

Insurance Coverage Adequacy, Aug. 21
Without an understanding of insurance coverage, limits, and associated risks, your bottom line can suffer. Learn about the coverage adequacy landscape, common risk exposures and the potential impact of un- or under-insured coverage and/or limits.

Vendor Management: Due Diligence & Liability, Sept. 18
Relationships with third-party vendors can expose credit unions to greater legal and reputational risks. In this session, learn more about contractual considerations and insurance requirements related to work and agreements with third-party vendors.

Cyber Risks: Threats & Loss Control, Oct. 16
It’s not a matter of ‘if’ but ‘when’ a data breach will occur. Cyber risks can result in financial and reputational losses as well lost data. Learn about malicious and non-malicious threats, top perils impacting you and your members and ways to plan ahead.

Lender Liability, Nov. 13
Lender liability lawsuits continue to grow in challenging times. This session will introduce the importance of understanding your exposure, illustrate typical case law allegations, and share how to protect your credit union from these exposures.
 

Map

Category: CMG CU Protection Webinar

Don't let ineffective writing muddle your messages, confuse your members, or derail your career. Designed for credit union professionals who seek real and immediate improvement in their business writing, this entertaining, instructional program delivers.  A must for anyone who writes on the job, this webinar is an investment in your career and your credit union's assets, reputation, and future.

HIGHLIGHTS
*    Communicate clearly, concisely, and convincingly with internal and external audiences
*    Write effective email that is read and acted upon – not ignored and deleted
*    Write effective social media posts
*    Apply the rules of netiquette, or electronic etiquette
*    Write powerful, persuasive, precise business documents
*    Deliver bad news, answer challenging questions, and reply to troubling situations
*    Write for results, persuading even the most-difficult readers to take the desired action
*    Apply the top three secrets of professional business writers
*    Master tricks for starting quickly and capturing reader attention from the first sentence
*    Take the inverted pyramid approach to writing
*    Apply the ABCs (accuracy, brevity, clarity) of effective writing
*    Understand the real rules of grammar, punctuation, capitalization, and style
*    Write clear, concise, correct business documents that reflect professionalism and your credit union's credibility
*    TAKE-AWAY TOOLKIT
o    Each participant may submit one brief (maximum 2 pages) writing sample for review and editing by the presenter within 10 days after the webinar
o    Comprehensive business writing toolkit, complete with content-rich handouts, hands-on exercises, and Business Writing Tips & Grammar Rules™ review
o    Electronic training log
o    Quiz you can administer to measure staff learning and a separate answer key

Attendance verification for CE credits provided upon request.

WHO SHOULD ATTEND?
This program is a must for anyone who writes on the job, from entry-level staff to credit union managers and C-level professionals. If you rely on email and traditional business documents to communicate with internal and external audiences, then you cannot afford to miss this informative session.

PLEASE NOTE:  The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone.

ABOUT THE PRESENTER – Nancy Flynn, The ePolicy Institute & Business Writing Institute
A recognized expert on workplace policy, communication, and compliance, Nancy Flynn is the founder and executive director of The ePolicy Institute and Business Writing Institute.  She provides training, coaching, and consulting services to clients seeking to minimize compliance risks and maximize communication skills.   

Nancy is the author of 12 books including The Social Media Handbook and Writing Effective E-Mail.  An in-demand trainer, she conducts seminars, webinars, and one-on-one coaching for financial institutions, financial services firms, and other clients worldwide. She also serves as an expert witness in litigation related to workplace email and web use.

THREE REGISTRATION OPTIONS
Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

LIVE WEBINAR
The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, PIN number, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at www.adobe.com.

ON-DEMAND WEB LINK AND FREE CD ROM*
Can't attend the live webinar? The on-demand web link is a recording of the live event, including audio, visuals, and handouts. We even provide the presenter's email address so you may ask follow-up questions. Approximately one week prior to the webinar, you will receive an email with the web link. This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.
As an added bonus, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this "off-the-shelf" training program for those that could not attend the live seminar and for future training.
LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK
(INCLUDES FREE CD ROM*)
Options 1 and 2 described above

*CD ROM is for Mac and PC use only

REGISTRATION:
To register for this session or view registration options/costs, go to https://mscua.fed.cuwebtraining.com/store/webinar.

QUESTIONS?
If you have questions, email Financial Ed at mscua-hrd@cuwebtraining.com or call 406-442-2585.

Location: Webinar Map

Category: Management

The board is required to understand the basics of a balance sheet and income statement and be in a position to ask substantive questions about the financial health and direction of the credit union.  From balance sheet irregularities to the basics of corporate financial literacy, today's boards are faced with increasing pressure to stay informed of the complex regulatory and business realities of the financial services marketplace. 

The 5300 Call Report is the backbone of the financial reporting system.  The NCUA requires all federally-insured credit unions to submit this detailed financial information so they can assess the general financial health of the credit union and observe important trends.  Do you know how the information is prepared and submitted by your credit union?  More importantly, do you know how to use the data to assist you with credit union governance?  This session is designed to give you general guidance and practical tips for understanding your 5300 Call Report obligations and the opportunities presented by this valuable tool.

HIGHLIGHTS
*    Call Report basics:  From format to filing dates
*    Review of available Call Report information and schedules
*    Navigating the NCUA website
*    Understanding the available reports: From key ratios to full financial reports
*    Tips and tricks to gain the most from Call Report review

*    TAKE-AWAY TOOLKIT
o    Step-by-step guide to accessing Call Reports
o    Electronic training log
o    Quiz you can administer to measure staff learning and a separate answer key

Attendance verification for CE credits provided upon request.

WHO SHOULD ATTEND?
This informative session is designed for credit union volunteers that need or want a basic understanding of their credit union's financial health, especially directors, associate directors, Supervisory Committee members, volunteer committee members, and aspiring volunteers.

PLEASE NOTE:  The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone.

ABOUT THE PRESENTER – David A. Reed, JD, Reed and Jolly, PLLC
Attorney, author, consultant, and nationally-recognized speaker, David Reed is a partner in the law firm of Reed and Jolly, PLLC.  He provides guidance to financial institutions on establishment and revision of policies and procedures, organizational compliance, collections, security, contractual agreements, regulatory matters, and corporate governance.  His engaging speaking style has made him a nationwide lecturer on regulatory compliance, consumer lending, bankruptcy, and collections. 

A former trial attorney and vice president and general counsel of a large credit union, David is particularly known as an expert in the areas of operations, bankruptcy, and collections.  He has trained state and federal examination staff on numerous issues, including BSA, ID theft red flags, SAFE Act, third-party contract management, and bankruptcy.  He also serves as editor of several industry manuals.

THREE REGISTRATION OPTIONS
Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

LIVE WEBINAR
The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, PIN number, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at www.adobe.com.

ON-DEMAND WEB LINK AND FREE CD ROM*
Can't attend the live webinar? The on-demand web link is a recording of the live event, including audio, visuals, and handouts. We even provide the presenter's email address so you may ask follow-up questions. Approximately one week prior to the webinar, you will receive an email with the web link. This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.
As an added bonus, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this "off-the-shelf" training program for those that could not attend the live seminar and for future training.
LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK
(INCLUDES FREE CD ROM*)
Options 1 and 2 described above

*CD ROM is for Mac and PC use only

REGISTRATION:
To register for this session or view registration options/costs, go to https://mscua.fed.cuwebtraining.com/store/webinar.

QUESTIONS?
If you have questions, email Financial Ed at mscua-hrd@cuwebtraining.com or call 406-442-2585.

Location: Webinar Map

Category: Board of Directors , Supervisory , Volunteers

The rule is now final!  As of October 28, 2013, all financial institutions will be impacted by the new CFPB 1073 international remittance rule (Subpart B to Regulation E).  This subpart was established to protect consumers who initiate cross border money transfers, including wires, ACH (IAT), online bill pay, certain prepaid card loads, and sweep accounts.

Don't let these changes put your financial institution at risk.  Join us to learn about the recent amendments and their impact.  All elements of the rule will be reviewed, including key requirements, practical considerations, and preparation steps you can take to comply.

HIGHLIGHTS
*    The Remittance Transfer Rule, new proposed amendments, and expected effective date
*    What qualifies as a Remittance Transfer, Sender, Recipient, and "Normal Course of Business"
*    Disclosure requirements for prepayment, receipt, and foreign languages
*    Accuracy requirements, exemptions, sender cancellation rights, and error resolution
*    Preparation steps: developing policies, assessments, and determining responsibility

*    TAKE-AWAY TOOLKIT
o    Sample disclosures
o    Electronic training log
o    Quiz you can administer to measure staff learning and a separate answer key

This course is eligible for 1.8 AAP credits.
Attendance verification for CE credits provided upon request.

WHO SHOULD ATTEND?
This informative session is designed for ACH operation staff, branch personnel, compliance officers, and AAP candidates.

PLEASE NOTE:  The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone.

ABOUT THE PRESENTER – Luann S. Kohlmann, AAP, NCP, WACHA
Luann serves as the Vice President of WACHA (The Premier Payments Resource), headquartered in Wisconsin.  After many years in the financial industry Luann joined the WACHA team in 2003.  She is responsible for development and execution of association member programs, including education, conferences, and publications.  She also conducts ACH audits and risk assessments.

Luann has spoken nationwide, including NACHA's Electronic Payments Conferences, and is very active in national councils and committees.  She has been an Accredited ACH Professional since 2002 and became a National Check Professional in 2011.

THREE REGISTRATION OPTIONS
Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

LIVE WEBINAR
The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, PIN number, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at www.adobe.com.

ON-DEMAND WEB LINK AND FREE CD ROM*
Can't attend the live webinar? The on-demand web link is a recording of the live event, including audio, visuals, and handouts. We even provide the presenter's email address so you may ask follow-up questions. Approximately one week prior to the webinar, you will receive an email with the web link. This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.
As an added bonus, you will also receive a FREE audio/visual CD ROM.* The CD ROM includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this "off-the-shelf" training program for those that could not attend the live seminar and for future training.
LIMITED AVAILABILITY: The on-demand web link and CD ROM may ONLY be ordered for 6 months following the webinar. Neither the link nor CD will be available after this time.

BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK
(INCLUDES FREE CD ROM*)
Options 1 and 2 described above

*CD ROM is for Mac and PC use only

REGISTRATION:
To register for this session or view registration options/costs, go to https://mscua.fed.cuwebtraining.com/store/webinar.

QUESTIONS?
If you have questions, email Financial Ed at mscua-hrd@cuwebtraining.com or call 406-442-2585.

Location: Webinar Map

Category: ACH , Branch Management , Branch Operations , Compliance , Operations

Overview:
The deadline to implement the NEW SAR is looming and we want to be ready.  During this program you will receive a SAR Handbook with line-by-line instructions and detailed worksheets, investigation worksheets and lots of practical tips on how to integrate the new SAR into your AML program.  The new forms is longer, more detailed, and yet it brings with it the option of an excel worksheet and the interactive online form.  So it is a mixed bag of nuts and not anywhere near the same as what you have been doing.  If you have been looking for the down-to-earth how to implement this form then this is the program for you.

What You Will Learn:
-Line-by-line review of the NEW SAR
-How to file Joint SARs
-What to do to integrate the NEW SAR into your AML
-Incident reports for the frontline based on the NEW SAR
-Investigative worksheet for investigations
-SAR Policy
-Walking through the process from Red Flag to SAR
-Confidentiality issues—who can you give what to.

Who Should Attend?
BSA Officers and coordinators, compliance officers and deposit operations

Instructor:
Deborah L Crawford is the President of Gettechnical Inc. a Baton Rouge based company.  She is a graduate of Louisiana State University with her Bachelor and Masters degrees.  She is a seminar leader in many state associations and leagues and brings a wealth of knowledge from years of training credit unions across the country.  Her 25+ years of training began at Hibernia National Bank in New Orleans.  Her detailed materials and common sense approach have made her a favorite with credit union employees.

---

Registration is also open for these upcoming 2013 Debbie Crawford webinars:

• 09/24 - Do's and Don'ts of Setting Up Accounts for Minors
• 10/09 - Frontline Annual Regulation Training: This Will Fulfill Annual Training Requirements For Share Regulations
• 11/14 - The Complete BSA Officer Training: Regulations, Exam Manual, CTRs and SARs
• 12/10 - Year- End Share Compliance Roundup: Checking to see if everything is done for 2013

---

Also Available: 2013 Mississippi Share Accounts Manual
The 2013 Mississippi Share Accounts Manual is complete and now available for purchase through the Mississippi Credit Union Association.  The manual is written and produced by Deborah Crawford and the Gettechnical team. The over 600 page manual contains everything you need to open share accounts completely and correctly, covering topics such as: types of ownership, Customer Identification Program, Customer Due Diligence, the New Member Interview, and more.

The manual is on CD for your convenience and is available for $149.00 per copy. To order, please email Tom McWilliams & include the following: credit union name, contact name & mailing address.

---

 

Location: Webinar Map

Category: Accounts , BSA , Compliance

Can credit unions experience significant loan growth, profitability, and membership growth in a challenging economy?  Absolutely!!!

Credit unions across the nation have experienced nominal to negative loan growth due to economic conditions that have resulted in high unemployment, increased bankruptcies, and a lack of consumer spending.  Successful credit unions must be proactive, not reactive, in their effort to maximize loan growth and profitability while managing risks and minimizing losses. 

Explore a lending philosophy and lending strategies that have proven to increase loan opportunities, profitability, and membership growth in a challenging economy.   Discover creative lending strategies, innovative marketing initiatives, and a unique lending program that credit unions can integrate for successful loan growth!!! 

Lending School Part I – August 20, 2013
Lending Key Strategies for Growth and Profitability
*    Cultivate a proactive lending philosophy that can lead to more loan opportunities and increased member loyalty!
*    Discover creative lending and marketing strategies that capture more profitable loans
*    Learn how to transform your staff into Financial Solutions Partners to increase profitable loan opportunities and minimize delinquencies and losses
*    Explore a unique lending program that can help you increase loan opportunities
*    Learn what you can do to get your employees enthusiastically engaged to bring in more loan opportunities
*    Develop a strategy to increase loan opportunities and profitability, manage risks and minimize losses, and build member loyalty for life!!!

Lending School Part II – August 21, 2013
Credit Scoring and Analysis  ~ How to Capture More Loan Opportunities...
*    Learn how to use the credit report to gain more loan opportunities and build member loyalty for life!
*    Gain knowledge of how credit scores are calculated
*    Learn how to conduct a credit score analysis (CSA) to determine what is impacting the credit score, what is hurting the credit score, and what actions need to be taken to increase the credit score
*    Find out how you can help members improve their credit score
*    Explore ways to strengthen relationships with your members and capture more loans! 
*    Discover the predictors of bankruptcy
*    Learn how to evaluate risks without using the credit score
*    Find out how to underwrite higher-risk loans
*    Develop a strategy to make better loan decisions

WHO SHOULD ATTEND?
This informative session is designed for CEO's, executive management, lending managers, branch managers, and marketing/business development staff as well as frontline staff

ABOUT THE PRESENTER – Celeste C. Cook, CEO/Founder, cuStrategies LLC
Celeste is founder and President/CEO of cuStrategies LLC.  As a credit union industry expert and strategist, Celeste provides strategic planning services, consulting services, and training programs to the credit union industry.  She is a keynote and motivational speaker in addition to a consultant and trainer, and her dynamic and engaging speaking style have also made her a popular and sought-after speaker in the credit union industry. 
Celeste has worked in the credit union industry for 20+ years and has been a professional speaker and trainer for more than 15 years.  She brings to you her credit union expertise, experience, and proven strategies as well as her passion and dynamic speaking style that is engaging and filled with positive energy!!! 

SPECIAL NEEDS
If any attendee has physical or medical needs, or dietary restrictions or requirements requiring special attention, we will do our best to accommodate those needs, but please notify Tom McWilliams PRIOR to the event.

CANCELLATION POLICY
Get our cancellation policy and other event information here: MSCUA General Event Information & Policies

HOTEL INFORMATION:
A block of hotel rooms have been reserved at the Cabot Lodge North Jackson.  Our special rate of $92++ single or double occupancy.  In order to obtain this special rate our office must reserve your room.  Please contact Tom McWilliams 601-981-4552, ext 310 to reserve your rooms.  

Location: MS Credit Union Association Map

Category: Branch Management , Business Development , Front Line Training , Lending , Management , Marketing

Registration is open for CUNA Mutual Group’s 2013 Credit Union Protection Webinar series – 10 risk management sessions available exclusively for the insurer’s fidelity bond policyholders.

For registration information, go to the Credit Union Protection Resource Center: www.cunamutual.com/cuprotectionwebinars. Participants must be logged in to view and register for webinars. For those without log-in credentials click on “Register for a User ID” in the My Services section of cunamutual.com.

In the 2013 series:
Wire Transfer Fraud, Jan. 16
Sophisticated wire transfer scams have replaced simple phone calls and Dumpster-diving tactics. Learn how criminals are perpetrating remote schemes and how to prevent incurring large losses associated with this fraud.

Employee Dishonesty, Feb. 13
Employee dishonesty can have a financial and reputational impact that many credit unions are not prepared to handle. This session will discuss the latest loss activity trends, how to identify behavioral red flags and simple steps to help reduce the risk of employee dishonesty.

Electronic Documents & Signatures, March 20
Electronic documents and electronic signatures can improve efficiency in credit unions but also create risks. Learn where and how to use this kind of technology, and get a better understanding of the operational risks and compliance and legal issues.

Handling the Aging Workplace & Worker Safety, April 17
The number of workers over age 55 has increased rapidly. Presenters will discuss the realities of the aging workforce, the impact it can have on safety, and practical ideas to help reduce disabling workplace injuries that cost businesses multi-millions in annual expenses.

Employment Practices, May 15
In these turbulent economic times, workplace discrimination charges and employment practices liability lawsuits are rising. Learn about the latest workplace issues and actionable steps to reduce your employment practices liability claims exposure.

Communication, Social Media & Crisis Management, July 24
Communication is key during a crisis. This session will discuss case studies showing the importance of real-time communication, as well as steps to include in your disaster plan and how social media can assist in your disaster response.

Insurance Coverage Adequacy, Aug. 21
Without an understanding of insurance coverage, limits, and associated risks, your bottom line can suffer. Learn about the coverage adequacy landscape, common risk exposures and the potential impact of un- or under-insured coverage and/or limits.

Vendor Management: Due Diligence & Liability, Sept. 18
Relationships with third-party vendors can expose credit unions to greater legal and reputational risks. In this session, learn more about contractual considerations and insurance requirements related to work and agreements with third-party vendors.

Cyber Risks: Threats & Loss Control, Oct. 16
It’s not a matter of ‘if’ but ‘when’ a data breach will occur. Cyber risks can result in financial and reputational losses as well lost data. Learn about malicious and non-malicious threats, top perils impacting you and your members and ways to plan ahead.

Lender Liability, Nov. 13
Lender liability lawsuits continue to grow in challenging times. This session will introduce the importance of understanding your exposure, illustrate typical case law allegations, and share how to protect your credit union from these exposures.
 

Map

Category: CMG CU Protection Webinar

Registration is open for CUNA Mutual Group’s 2013 Credit Union Protection Webinar series – 10 risk management sessions available exclusively for the insurer’s fidelity bond policyholders.

For registration information, go to the Credit Union Protection Resource Center: www.cunamutual.com/cuprotectionwebinars. Participants must be logged in to view and register for webinars. For those without log-in credentials click on “Register for a User ID” in the My Services section of cunamutual.com.

In the 2013 series:
Wire Transfer Fraud, Jan. 16
Sophisticated wire transfer scams have replaced simple phone calls and Dumpster-diving tactics. Learn how criminals are perpetrating remote schemes and how to prevent incurring large losses associated with this fraud.

Employee Dishonesty, Feb. 13
Employee dishonesty can have a financial and reputational impact that many credit unions are not prepared to handle. This session will discuss the latest loss activity trends, how to identify behavioral red flags and simple steps to help reduce the risk of employee dishonesty.

Electronic Documents & Signatures, March 20
Electronic documents and electronic signatures can improve efficiency in credit unions but also create risks. Learn where and how to use this kind of technology, and get a better understanding of the operational risks and compliance and legal issues.

Handling the Aging Workplace & Worker Safety, April 17
The number of workers over age 55 has increased rapidly. Presenters will discuss the realities of the aging workforce, the impact it can have on safety, and practical ideas to help reduce disabling workplace injuries that cost businesses multi-millions in annual expenses.

Employment Practices, May 15
In these turbulent economic times, workplace discrimination charges and employment practices liability lawsuits are rising. Learn about the latest workplace issues and actionable steps to reduce your employment practices liability claims exposure.

Communication, Social Media & Crisis Management, July 24
Communication is key during a crisis. This session will discuss case studies showing the importance of real-time communication, as well as steps to include in your disaster plan and how social media can assist in your disaster response.

Insurance Coverage Adequacy, Aug. 21
Without an understanding of insurance coverage, limits, and associated risks, your bottom line can suffer. Learn about the coverage adequacy landscape, common risk exposures and the potential impact of un- or under-insured coverage and/or limits.

Vendor Management: Due Diligence & Liability, Sept. 18
Relationships with third-party vendors can expose credit unions to greater legal and reputational risks. In this session, learn more about contractual considerations and insurance requirements related to work and agreements with third-party vendors.

Cyber Risks: Threats & Loss Control, Oct. 16
It’s not a matter of ‘if’ but ‘when’ a data breach will occur. Cyber risks can result in financial and reputational losses as well lost data. Learn about malicious and non-malicious threats, top perils impacting you and your members and ways to plan ahead.

Lender Liability, Nov. 13
Lender liability lawsuits continue to grow in challenging times. This session will introduce the importance of understanding your exposure, illustrate typical case law allegations, and share how to protect your credit union from these exposures.
 

Map

Category: CMG CU Protection Webinar

Overview:
We love our minor members and yet…it is sometimes hard to know what we can do and what we can’t do for those who are under age at our credit union.  It is always disturbing when minors have authority to transact business in the credit union because in many states the minor is not responsible for his or her actions on deposit contracts.  During this program, you will learn how to answer your adult member’s questions on how to set up accounts for grandchildren, for college, for other reasons to set up minor accounts.  In this program, we will review the basic legal ownerships you may offer for your minor customers.  We will talk about how to transition them into adult accounts.  We will look at do’s and don’ts of account card set up for minors.

You will be challenged to look at old practices, how to handle checks, when to give access and so much more in this information packed program.  You won’t want to miss this A to Z on minor accounts.  

What You Will Learn:
• Do’s and don’ts of setting up accounts for minors
• All the types of legal ownership for Minors:  UTMA, CESA, Multiple Party Accounts
• What happens and what is the liability when you put minors in checking accounts with debit cards?  What about debit cards on UTMA, Social security accounts and guardianships?
• Can a minor get information on a UTMA, Social Security Account, or Guardianship Account?
• Can a minor negotiate checks made payable to his or herself
• Old styling like “minor by” that can give big headaches
• Can you require two signatures on minor accounts?  Can you let a minor sign a contract?
• What happens when the minor dies on an account?  What happens when the adult passes away?
• Can minors take over the account at a certain age? 
• Hotspots and troubling issues when you open accounts for minors

Who Should Attend?
This informative session is for compliance officers, member service representatives, call center representatives, training, branch operations, branch administration, branch managers, assistant branch managers and anyone working with deceased accounts.

Instructor:
Deborah L Crawford is the President of Gettechnical Inc. a Baton Rouge based company.  She is a graduate of Louisiana State University with her Bachelor and Masters degrees.  She is a seminar leader in many state associations and leagues and brings a wealth of knowledge from years of training credit unions across the country.  Her 25+ years of training began at Hibernia National Bank in New Orleans.  Her detailed materials and common sense approach have made her a favorite with credit union employees.

---

Registration is also open for these upcoming 2013 Debbie Crawford webinars:

• 10/09 - Frontline Annual Regulation Training: This Will Fulfill Annual Training Requirements For Share Regulations
• 11/14 - The Complete BSA Officer Training: Regulations, Exam Manual, CTRs and SARs
• 12/10 - Year- End Share Compliance Roundup: Checking to see if everything is done for 2013

---

Also Available: 2013 Mississippi Share Accounts Manual
The 2013 Mississippi Share Accounts Manual is complete and now available for purchase through the Mississippi Credit Union Association.  The manual is written and produced by Deborah Crawford and the Gettechnical team. The over 600 page manual contains everything you need to open share accounts completely and correctly, covering topics such as: types of ownership, Customer Identification Program, Customer Due Diligence, the New Member Interview, and more.

The manual is on CD for your convenience and is available for $149.00 per copy. To order, please email Tom McWilliams & include the following: credit union name, contact name & mailing address.

---

 

Location: Webinar Map

Category: Accounts , Branch Management , Branch Operations , Compliance , Human Resources , Member Service

Overview:
Is your frontline a compliance asset or liability?  Let’s make them a compliance asset.  This regulatory review completes your credit union’s annual training requirements.  It also helps the frontline understand that we can be fined and sued if we do not follow our regulatory responsibility.  During the program, each regulation will spotlight the frontline issues and how to handle them.  We will help your staff determine are we in a regulation and if we are what is our course of action.  You will be amazed how focused training on frontline issues will take you from zero to hero with your regulators. 

What you will learn:
• Regulation CC Update on Holds and Disclosures
• Regulation E revisions and understanding your customer’s rights on unauthorized access
• Regulation D—Transaction Accounts and Time Deposits the regulatory difference
• Regulation DD—Spotlight on disclosures and answering member questions about rates and APY
• BSA—Annual training requirements plus changes on CTRs, SARs and DOEP date fields
• Privacy and your credit union’s disclosure

Who Should Attend?
This informative session is for compliance officers, member service representatives, call center representatives, training, branch operations, branch administration, branch managers, assistant branch managers.

Instructor:
Deborah L Crawford is the President of Gettechnical Inc. a Baton Rouge based company.  She is a graduate of Louisiana State University with her Bachelor and Masters degrees.  She is a seminar leader in many state associations and leagues and brings a wealth of knowledge from years of training credit unions across the country.  Her 25+ years of training began at Hibernia National Bank in New Orleans.  Her detailed materials and common sense approach have made her a favorite with credit union employees. 

---

Registration is also open for these upcoming 2013 Debbie Crawford webinars:

• 11/14 - The Complete BSA Officer Training: Regulations, Exam Manual, CTRs and SARs
• 12/10 - Year- End Share Compliance Roundup: Checking to see if everything is done for 2013

---

Also Available: 2013 Mississippi Share Accounts Manual
The 2013 Mississippi Share Accounts Manual is complete and now available for purchase through the Mississippi Credit Union Association.  The manual is written and produced by Deborah Crawford and the Gettechnical team. The over 600 page manual contains everything you need to open share accounts completely and correctly, covering topics such as: types of ownership, Customer Identification Program, Customer Due Diligence, the New Member Interview, and more.

The manual is on CD for your convenience and is available for $149.00 per copy. To order, please email Tom McWilliams & include the following: credit union name, contact name & mailing address.

---

 

Location: Webinar Map

Category: Branch Management , Branch Operations , Compliance , Human Resources , Member Service

Registration is open for CUNA Mutual Group’s 2013 Credit Union Protection Webinar series – 10 risk management sessions available exclusively for the insurer’s fidelity bond policyholders.

For registration information, go to the Credit Union Protection Resource Center: www.cunamutual.com/cuprotectionwebinars. Participants must be logged in to view and register for webinars. For those without log-in credentials click on “Register for a User ID” in the My Services section of cunamutual.com.

In the 2013 series:
Wire Transfer Fraud, Jan. 16
Sophisticated wire transfer scams have replaced simple phone calls and Dumpster-diving tactics. Learn how criminals are perpetrating remote schemes and how to prevent incurring large losses associated with this fraud.

Employee Dishonesty, Feb. 13
Employee dishonesty can have a financial and reputational impact that many credit unions are not prepared to handle. This session will discuss the latest loss activity trends, how to identify behavioral red flags and simple steps to help reduce the risk of employee dishonesty.

Electronic Documents & Signatures, March 20
Electronic documents and electronic signatures can improve efficiency in credit unions but also create risks. Learn where and how to use this kind of technology, and get a better understanding of the operational risks and compliance and legal issues.

Handling the Aging Workplace & Worker Safety, April 17
The number of workers over age 55 has increased rapidly. Presenters will discuss the realities of the aging workforce, the impact it can have on safety, and practical ideas to help reduce disabling workplace injuries that cost businesses multi-millions in annual expenses.

Employment Practices, May 15
In these turbulent economic times, workplace discrimination charges and employment practices liability lawsuits are rising. Learn about the latest workplace issues and actionable steps to reduce your employment practices liability claims exposure.

Communication, Social Media & Crisis Management, July 24
Communication is key during a crisis. This session will discuss case studies showing the importance of real-time communication, as well as steps to include in your disaster plan and how social media can assist in your disaster response.

Insurance Coverage Adequacy, Aug. 21
Without an understanding of insurance coverage, limits, and associated risks, your bottom line can suffer. Learn about the coverage adequacy landscape, common risk exposures and the potential impact of un- or under-insured coverage and/or limits.

Vendor Management: Due Diligence & Liability, Sept. 18
Relationships with third-party vendors can expose credit unions to greater legal and reputational risks. In this session, learn more about contractual considerations and insurance requirements related to work and agreements with third-party vendors.

Cyber Risks: Threats & Loss Control, Oct. 16
It’s not a matter of ‘if’ but ‘when’ a data breach will occur. Cyber risks can result in financial and reputational losses as well lost data. Learn about malicious and non-malicious threats, top perils impacting you and your members and ways to plan ahead.

Lender Liability, Nov. 13
Lender liability lawsuits continue to grow in challenging times. This session will introduce the importance of understanding your exposure, illustrate typical case law allegations, and share how to protect your credit union from these exposures.
 

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Category: CMG CU Protection Webinar

Day One:  Tuesday, October 29
Essentials

The ALM Essentials Workshop is a full day session designed for all credit union employees and Board members who desire a better understanding of the basic asset liability management process.
Content includes:
• Identifying essential goals of the asset liability management process
• Establishing sources and uses of cash
• Understanding NCUA’s Financial Performance Report  (FPR)
• Calculating your credit union’s key financial ratios
• Addressing the Risk Focus Examination changes
• Reviewing an expense analysis and its implications
• Using market indicators to price loans and deposits

Day Two Wednesday, October 30
Implementation

The ALM Implementation Workshop is a five hour session providing a checklist for organizing and implementing an effective asset liability management process in your credit union.
Content includes:
• Tips for organizing a successful ALM process
• Reviewing NCUA’s Rules and Regulations and their implications
• Guidelines for developing effective ALM and Investment policies
• Conducting broker/dealer due diligence
• Developing a consistent ALCO agenda
• Monitoring, measuring, maximizing yield on liquidity
• Analyzing interest-rate risk/rate sensitivity (GAP)

Presenter:  Deborah L. Rightmire, CCUE
Deborah L. Rightmire is Vice President of Asset/Liability Management for the Texas Credit Union League.  She manages the operations of TCUL ALM Resources and delivers semi-annual ALM analysis and consulting services to credit unions across the U.S. representing over 100 billion in combined assets.  Debbie serves as a speaker for CUNA and Leagues across the nation.  She conducts presentations emphasizing financial statement and ratio analysis, policy formulation, liquidity analysis, and investment due diligence.

As a senior faculty member of Southwest CUNA Management School, Debbie instructs, assists with curriculum development, and evaluates the Financial Management Strategic Initiative of each student’s three-year business plan.

Audiences benefit from Debbie’s prior experience as a credit union field representative for the Texas Credit Union League, service on the Board of Directors and Asset/Liability Management Committee (ALCO) of Metroplex Credit Union (now Resource 1 CU), and her 35 years in the financial service industry.

Debbie joined the Texas Credit Union League in 1979 and is a graduate of the University of Alaska.

Hotel Information:
A block of hotel rooms have been reserved at the Cabot Lodge North Jackson. Our special rate of $92++ single or double occupancy. In order to obtain this special rate our office must reserve your room. Please contact Tom McWilliams 601-981-4552, ext 311 to reserve your rooms.  

Education Investment:
ALM Essentials - $199.00 per person
ALM Implementation - $199.00 per person
Both Days (Essentials & Implementation) - $375.00 - Same person must attend both days to receive discount.

Location: MS Credit Union Association Map

Category: ALM

Registration is open for CUNA Mutual Group’s 2013 Credit Union Protection Webinar series – 10 risk management sessions available exclusively for the insurer’s fidelity bond policyholders.

For registration information, go to the Credit Union Protection Resource Center: www.cunamutual.com/cuprotectionwebinars. Participants must be logged in to view and register for webinars. For those without log-in credentials click on “Register for a User ID” in the My Services section of cunamutual.com.

In the 2013 series:
Wire Transfer Fraud, Jan. 16
Sophisticated wire transfer scams have replaced simple phone calls and Dumpster-diving tactics. Learn how criminals are perpetrating remote schemes and how to prevent incurring large losses associated with this fraud.

Employee Dishonesty, Feb. 13
Employee dishonesty can have a financial and reputational impact that many credit unions are not prepared to handle. This session will discuss the latest loss activity trends, how to identify behavioral red flags and simple steps to help reduce the risk of employee dishonesty.

Electronic Documents & Signatures, March 20
Electronic documents and electronic signatures can improve efficiency in credit unions but also create risks. Learn where and how to use this kind of technology, and get a better understanding of the operational risks and compliance and legal issues.

Handling the Aging Workplace & Worker Safety, April 17
The number of workers over age 55 has increased rapidly. Presenters will discuss the realities of the aging workforce, the impact it can have on safety, and practical ideas to help reduce disabling workplace injuries that cost businesses multi-millions in annual expenses.

Employment Practices, May 15
In these turbulent economic times, workplace discrimination charges and employment practices liability lawsuits are rising. Learn about the latest workplace issues and actionable steps to reduce your employment practices liability claims exposure.

Communication, Social Media & Crisis Management, July 24
Communication is key during a crisis. This session will discuss case studies showing the importance of real-time communication, as well as steps to include in your disaster plan and how social media can assist in your disaster response.

Insurance Coverage Adequacy, Aug. 21
Without an understanding of insurance coverage, limits, and associated risks, your bottom line can suffer. Learn about the coverage adequacy landscape, common risk exposures and the potential impact of un- or under-insured coverage and/or limits.

Vendor Management: Due Diligence & Liability, Sept. 18
Relationships with third-party vendors can expose credit unions to greater legal and reputational risks. In this session, learn more about contractual considerations and insurance requirements related to work and agreements with third-party vendors.

Cyber Risks: Threats & Loss Control, Oct. 16
It’s not a matter of ‘if’ but ‘when’ a data breach will occur. Cyber risks can result in financial and reputational losses as well lost data. Learn about malicious and non-malicious threats, top perils impacting you and your members and ways to plan ahead.

Lender Liability, Nov. 13
Lender liability lawsuits continue to grow in challenging times. This session will introduce the importance of understanding your exposure, illustrate typical case law allegations, and share how to protect your credit union from these exposures.
 

Map

Category: CMG CU Protection Webinar

Overview:
You are the Bank Secrecy Officer for your credit union.  It is a huge responsibility and you are required to have outside training on your job function.  This is an A to Z program of the components of running a BSA office.  You will review the four pillars of a BSA program plus many of the advanced issues.  This is a must program for all BSA Officers and staff.

What you will learn:
-Understand how the BSA law is organized
-Understand how the sections of the BSA manual can help your structure your program
-Designing a risk assessment
-How to write a BSA Policy
-How to look at Customer Identification Programs and Customer Due Diligence
-Working on the SAR, Investigation, Filing and Tracking
-Confidentiality and organization
-What regulators may expect from your AML program

Who Should Attend?
BSA Officers, Credit Union Managers, BSA coordinators, those who assist the BSA Officers such as Security, OFAC and Compliance officers

Instructor:
Deborah L Crawford is the President of Gettechnical Inc. a Baton Rouge based company.  She is a graduate of Louisiana State University with her Bachelor and Masters degrees.  She is a seminar leader in many state associations and leagues and brings a wealth of knowledge from years of training credit unions across the country.  Her 25+ years of training began at Hibernia National Bank in New Orleans.  Her detailed materials and common sense approach have made her a favorite with credit union employees. 

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Registration is also open for these upcoming 2013 Debbie Crawford webinars:

• 12/10 - Year- End Share Compliance Roundup: Checking to see if everything is done for 2013

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Also Available: 2013 Mississippi Share Accounts Manual
The 2013 Mississippi Share Accounts Manual is complete and now available for purchase through the Mississippi Credit Union Association.  The manual is written and produced by Deborah Crawford and the Gettechnical team. The over 600 page manual contains everything you need to open share accounts completely and correctly, covering topics such as: types of ownership, Customer Identification Program, Customer Due Diligence, the New Member Interview, and more.

The manual is on CD for your convenience and is available for $149.00 per copy. To order, please email Tom McWilliams & include the following: credit union name, contact name & mailing address.

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Location: Webinar Map

Category: BSA , Compliance , Management

This outline will be provided in the Fall when
we know what 2013 will bring.  It will be
a year end round up to include all changes for 2013.

Location: Webinar Map

Category: Compliance