Compliance School (Virtual) – Co-Sponsored by Virginia Bankers Association & North Carolina Bankers Association
2022-05-16 08:00 - 17:00, 2022-05-23 08:00 - 17:00, 2022-05-26 08:00 - 17:00 (America/Chicago)
Compliance School consists of two tracks, Lending and Deposits, and is designed for entry-mid level compliance personnel.
In 2022, the VBA and NCBA will join together to host the virtual school with a three day Lending track and a one day Deposits track.
Lending Track
Consumer loan product regulations are more complex and detailed than ever with more significant changes and guidance becoming effective at regular intervals. With greater scrutiny comes higher risk of noncompliance and the likelihood of enforcement action and/or civil money penalties.
This program offers a comprehensive discussion of consumer compliance regulations and effective assessment methods. Lenders and compliance officers will be better prepared to effectively audit, train, and manage the bank’s compliance lending requirements.
Reg B: Equal Credit Opportunity Act

Equal treatment and fair lending considerations
Application stages: inquiries, incompletes, withdrawals, denials, and approvals
Collection of government monitoring information
Adverse action rules and business loan denial options
New requirements for providing copies of appraisals and evaluations.

Fair Credit Reporting Act

Permissible purpose
Requirements of users of consumer reports• Duties of furnishers of information to a CRA
Requirements relating to identity theft.

Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)

The FTC Act/Dodd-Frank Act
Standards for determining what is unfair, deceptive or abusive.
Deceptive acts and practices
Abusive acts or practices
Managing risks

Flood Disaster Protection Act

Flood insurance eligibility and determination
Private Policy requirements and challenges
Required notification and acknowledgment.
Insurance and escrow requirements
Force placed insurance, penalties and liabilities.
What examiners look for in a flood exam.

Reg C: Home Mortgage Disclosure Act (HMDA)

Requirements, responsibility and reporting
Loan application register
Setting HMDA audit sampling sizes
Discuss common violations.
Discuss expanded data field.

Reg Z: Truth in Lending Act

Coverage and exemptions
Finance charges, annual percentage rate and amount financed
Adjustable-rate mortgage (ARM) disclosures
Mortgage transfer disclosure
Right of rescission
Higher-priced mortgage loans
Homeownership counseling
Ability-to-Repay / Qualified Mortgage rules

Reg X: Real Estate Settlement Procedures Act (RESPA)

Homeownership counseling
General disclosure requirements
Restriction of fees
Escrow accounts
Mortgage servicing and error resolution procedures
Early intervention requirements, continuity of contact, and loss mitigation procedures

Homeowners Protection Act (PMI)

Coverage
Cancellation and termination
Disclosure requirements
Civil liabilities

Reg Z: TILA-RESPA Integrated Disclosures

Loan estimate
Closing disclosure
Tolerances

Military Lending Act

Coverage
Lending limitations / Prohibited practices
MAPR calculation
Disclosure requirements

2022 Advanced BSA/AML Academy
2022-05-17 08:00 - 2022-05-18 17:00 (America/Chicago) | Center for Banking Excellence, 3201 West White Oaks Dr., Suite 400, Springfield, IL, 62704, United States
Hybrid Delivery Options (select your preference when registering)
May 17-18 – IBA Center for Banking Excellence, Springfield OR Live-Streamed via Zoom 9:00 a.m. – 4:00 p.m.
BSA/AML is in its 52nd year! This session focuses on the latest changing BSA arena and offers tips and tools to develop and manage an “adequate” and “an effective and reasonably designed” BSA program. A regulator panel and special guest speaker will also be part of this year’s agenda. Receive a training program manual, an updated FFIEC BSA/AML Examination Manual, a resource manual (packed with examples, forms, templates, handouts), and opportunities to network with peers on current challenges and trends.
Recap of Major AML/BSA Trends in 2021-2022 Focus on current BSA/AML trends and the regulatory guidance that outlines the responsibility for BSA/ AML compliance.
2022 Update of BSA Reform and Priorities – National Defense Authorization Act We’ll focus on an update, discuss the key BSA/AML priorities, including Terrorist Financing and Proliferation Financing, as well as recommendations for proactively meeting regulatory expectations.
FinCEN Updates and Impact of the FFIEC BSA/AML Examination Manual Key update takeaways with a focus on enhancing the banks’ policies, procedures, and processes are highlighted.
Preparing for the BSA/AML Examination – Learning from Recent Enforcement and Audit Findings Often bankers comment that enforcement actions only happen to the big banks. Regulators are encouraging senior management and boards to stay abreast of enforcement actions. We will examine recent consent order(s) with specific BSA violations to share with senior management and includes recommendations and best practices for ongoing preparation and organization for audits and examinations.
What are the Examiners and Auditors BSA/AML Pulse Points? Bankers have the opportunity to share and learn from other bankers what the current hot topics are during recent BSA/AML examinations and audits.
Revisiting the BSA/AML Compliance Risk Assessment The enhanced focus on using risk assessments to increase AML program effectiveness is consistent with federal and state regulatory priorities. Many of the recent BSA/AML regulatory exam findings cite BSA/AML and OFAC risk assessments lacking detailed analysis to identify risk within the customer base. This session revisits the BSA/AMLrisk assessment process and provides additional insight, tips, and recommendations.
High-Risk Products and Services and “Other Illicit Financial Activity” Taking a risk-focused approach to high-risk customers versus “The List” will require additional onboarding and due diligence. This session focuses on best practices for risk-focused high risks as well as other illicit financial activity including cybersecurity, elder financial exploitation, and fraud.
Cannabis Banking Update – From Hemp to Delta 8 to Weed Marijuana continues to be one of the key topics in financial institutions with states legalizing medical or recreational marijuana. This session focuses on the key elements for banking and not banking cannabis-related products.
Emerging Payment Trends and Risks As our banks move to increased online banking services, the BSA implications will be impacted exponentially. ACH payments are quickly becoming one of the primary means of non-cash payment. This session focuses on best practices in proactively mitigating risks in relation to the increasing changes in the payments arena.
Banking Virtual and Digital Currency Are you interested in gaining a better understanding of virtual and digital currency This session will focus on information to help understand your institution’s overall exposure or quantify the risks of getting more deeply involved in these businesses?
Educating the Bank and the Board: Ongoing Learning This session includes practical tips and job aids to assist with ensuring training is more than just a “check in the box.”
Human and Wildlife Trafficking Financial institutions that properly identify indicia of human trafficking are critical to law enforcement’s efforts to combat human trafficking. The pandemic aggravated the conditions that lead to human trafficking and can occur in a wide variety of industries. In addition, the proceeds related to wildlife trafficking are estimated to be between $7 and $23 billion annually. According to FinCEN, financial institutions play a critical role in “identifying wildlife trafficking and protecting the U.S. financial system from associated illicit finance through compliance with their BSA obligations.” This session highlights key musts and recommendations for identifying and mitigating risks associated with human and wildlife trafficking.
OFAC and Sanctions Compliance Update FATF is the most important watchdog to deter jurisdictions that may allow money laundering, terrorist financing, and other illicit and corrupt activity to go on in their countries. This session focuses on the latest OFAC updates, how our changing world impacts regulations, as well as best practices for maintaining OFAC compliance.
What’s Ahead in 2022 – Tips, Tools, and Takeaways We wrap up and highlight upcoming proposed rulemaking and key initiatives that are on the horizon for BSA/AML.
Facilitator
As a former banker, Dianne Barton, Founder & President of Performance Solutions, Inc., provides a full array of bank-specific learning solutions including leadership and management development, regulatory and compliance implementations, retail growth strategies, sales & service culture development, strategic planning, is recognized as “real world solutions” by both regional banks and community banks.
ABA Professional Certifications
Approved for 14.5 CAFP, CRCM credits
Fee Per Person
Members $505
Nonmembers $875
Hybrid Event
llinois

Compliance School (Virtual) – Co-Sponsored by Virginia Bankers Association & North Carolina Bankers Association
2022-06-01 08:00 - 17:00 (America/Chicago)
Compliance School consists of two tracks, Lending and Deposits, and is designed for entry-mid level compliance personnel.
In 2022, the VBA and NCBA will join together to host the virtual school with a three day Lending track and a one day Deposits track.
Deposits Track
Consumer deposit products, services and delivery methods have changed dramatically due to the Dodd-Frank Act. Regulatory amendments and new interpretations have created an extremely complex deposit environment. This program provides a comprehensive discussion on critical deposit account rules and discusses the implications of UDAAP and the subjectivity of enforcement. Compliance officers and personal bankers will be better prepared to identify solutions in the deposit account front-line sales and operations areas.
Reg D: NOW Eligibility and Reserve Requirements

Repeal of the withdrawal restrictions on savings and money market accounts
Regulatory minimum and your bank’s early withdrawal penalty
What are the reserve requirement rules? How do they impact compliance?
Interest-bearing DDA vs. NOW accounts – they’re not quite the same.
Interest premium rules – Do they still matter?

Reg E: Electronic Funds Transfer Act

Disclosures and notices
Resolving error claims
Electronic check conversion
Customer education
Remote deposit capture
Mobile banking
Foreign remittance rules
Payroll card and gift card rules
Examination trends and frequent findings
Overdraft Opt-ins

Reg CC: Expedited Funds Availability Act

Disclosures and notices
Implications of item posting order.
Common hold notice errors
Check 21
Remotely Created Checks

Reg P: Privacy and Information Sharing “Opt Outs”

Reg P rules
Model form (01/01/11)
Connection with FCRA sharing
Do not market/Do not solicit policies.
New CFPB annual disclosure rules

Reg S: Right to Financial Privacy

Government information requests
Reimbursement

Fair Credit Reporting Act/ID Theft “Red Flags”

Address discrepancies
Credit report alerts
Other “red flags”
Affiliate marketing
Annual report

Reg DD: Truth in Savings Accounts (TISA)

Disclosures and notices
Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)
The higher-risk parts of the rules (e.g., inconsistent terminology, products/terms changes)
Advertising compliance
Common disclosure errors
Courtesy Overdraft Programs

All-Day BSA
2022-09-09 08:30 - 16:00 (America/Chicago) | Drury Lane Theatre, 100 Drury Ln, Oakbrook Terrace, IL, 60181, United States
Speakers & Topics :

BSA/AML Reform – What has Changed and What’s on the Horizon?

Robin Guthridge, Director, Wipfli LLP

Law Enforcement Update, SARs and Fraud

Jennifer French, Senior Financial Investigator, Madison Associates, Inc.

BSA/AML Risk Assessment

Brian Arrington, BSA/AML Examiner, Federal Reserve Bank of Richmond
John McVoy, Director of Financial Crimes Risk Management, Heartland Financial

Rapid Fire Q&A send questions in advance to Speaker Questions

Brian Crow, Managing Partner & Co-President, TCA
Robin Guthridge, Director, Wipfli LLP
Helen Touchton, Independent Compliance Consultant

Cyber Events

Brian Crow, Managing Partner & Co-President, TCA

Sanctions Environment with Russia

Tara Dziengel, SVP Global Head of Anti-Money Laundering, Northern Trust
Jamie Gathing, VP Compliance Manager, Northern Trust

Enforcement Action Update

John Geiringer, Partner, Barack Ferrazzano Financial Institutions Group

Registration and Breakfast begins at 7:45 am
Session runs from 8:45 am to 4:00 pm

Last day of registration is end of business on September 6, 2022
As a reminder, CCA no longer accepts cash or checks as payment for meetings or membership dues. Payment is only accepted in advance by debit or credit card via our website. Registration for meetings or membership will not be considered complete without prepayment. CCA is no longer able to invoice for events and entry will be denied if payment has not been received. Payment can be made in advance using a debit or credit card via CCAs PayPal page. Failure to pay in advance may result in removal of registration for the event.
Speakers and Topics may be subject to change.
This session has been approved for 6.5 CRCM credits, ACAMS credits are pending.
This session is not to be recorded electronically without written permission from the Chicagoland Compliance Association and all speakers. materials and opinions shared from the speakers are not necessarily those of the organization they represent and therefore, unless otherwise indicated, should be assumed personal and not indicative of any implied liability or accountability back to the respective organization.
Reservation cancellations received by the CCA after the registration deadline of September 6, 2022 will not receive a refund.
By registering for the event, the registrant agrees to adhere to Drury Lane and/or City of Oakbrook Terrace COVID requirements at the time of the event.
If after registering you do not see the “Thank You” page or you do not receive a confirmation email within two days, then your registration has not been received. Please email the CCA.
If you are unsure if your institution is a CCA member, please check here first. There will be no refunds in the event of an overpayment.
Click here to register for the event.

2022 Regulatory Compliance Series
2022-09-19 08:00 - 2022-09-23 17:00 (America/Chicago) | Center for Banking Excellence, 3201 West White Oaks Dr., Suite 400, Springfield, IL, 62704, United States
Participation Options

IBA Center for Banking Excellence, Springfield
Live Streamed Via Zoom

Sessions

Program 1 – September 19 – Credit Compliance, Part 1
Program 2 – September 20 – Credit Compliance, Part 2
Program 3 – September 21 – Credit Compliance, Part 3
Program 4 – September 22 – Deposit Compliance
Program 5 – September 23 – BSA/AML Compliance & Regulators’ Forum

Facilitators: Programs 1, 2, and 3

Michelle Strickland, CRCM, is managing partner and co-president at TCA. Her banking background includes consumer, residential, and secondary market loan processing, and most recently at a large Indiana bank, responsibility for loan servicing, commercial loan processing, and documentation, and residential and consumer loan processing and documentation.
Monique Reyna, CRCM, is a compliance consultant at TCA with more than 25 years of lending experience. During her early banking career, she held positions in processing, underwriting, closing, post-closing, and servicing. Prior to joining TCA, she served as senior vice president of lending overseeing regulatory compliance within the lending department, including developing bank policies and procedures, conducting internal compliance reviews, and providing staff training.

Facilitator: Programs 4 and 5

Brian Crow, CAMS, managing partner and co-president at TCA, is a nationally recognized expert of Reg E and BSA/AML. He is an education consultant for the Glia Group BOL Learning Connect program, conducting webinars that cover Visa/MasterCard chargebacks, debit card compliance, and fraud prevention. Crow was recognized as a Bankers Online Guru in 2011.

Attendee Profile
Compliance Officers and Managers, Consumer Lenders, Residential Real Estate Lenders, Personal and Retail Bankers, Operations Officers, Legal Counsel, Auditors, and Cashiers
Per Person Fee
IBA Member
All five programs: $1,225
Individual program: $265
Nonmember
All five programs: $2,045
Individual program: $445
Hybrid Event
llinois

BOL Operations Compliance Triage
2022-09-20 10:00 - 2022-09-21 18:00 (America/Chicago) | Virtual
Conference – TUESDAY – WEDNESDAY , September 20 – 21, 2022

TUESDAY, SEPTEMBER 20, 2022
Day 1

CENTRAL TIME

SESSION

9:00 – 10:00
Welcome and Discussion of our Changing Landscape

10:00 – 10:10
BREAK

10:10 – 11:00
Keeping current on overdrafts and fees

11:00 – 11:10
BREAK

11:10 – 12:00
Fair Banking with a UDA(A)P Hammer

12:00 – 1:00
LUNCH

1:00 – 2:00
BSA Update

2:00 – 2:10
BREAK

2:10 – 3:00
Reg E, EFT, P2P – Problems and Solutions

3:00 – 3:10
BREAK

3:10 – 4:30
Panel Discussion–Q and A

Adjourn – See you tomorrow!

WEDNESDAY, SEPTEMBER 21, 2022
Day 2

CENTRAL TIME

SESSION

9:00 – 9:30
Nonresident Alien Interest Reporting – Disaster Management

9:30- 10:00
Individual Retirement Account Issues and Changes

10:00 – 10:10
BREAK

10:10- 11:00
Regulation CC Holds

11:00 – 11:10
BREAK

11:10 – 12:00
Checks-Returns, Liabilities and Fraud

12:00 – 1:00
LUNCH

1:00 – 2:00
Avoiding Common Violations

2:00 – 2:10
BREAK

2:10 – 3:00
ACH odds and ends

3:00 – 3:10
BREAK

3:10 – 3:45
Legal Paperwork, Court Ordered Accounts, Power of Attorneys

3:45 – 4:30
Discussion–Q and A

Adjourn – Thank you for attending!

Welcome and Discussion of our Changing Landscape – During our welcome session we will cover where we left off from last year. What has happened in the Deposit Operations area and what are our major concerns in 2022. A special look at online account opening the good, the bad and the ugly. Learn how to set up accounts online.
Keeping current on overdrafts and fees – What are banks and credit unions doing about overdrafts and overdraft fees? Use of available balances for authorizations and triggering overdrafts has prompted regulators’ concerns, and some institutions have made changes. Depositor suits over multiple OD fees for a single item have made us realize that the required Reg. DD disclosures are not enough anymore. The Bureau has taken a broad swipe at “junk fees” everywhere, but it’s clear it’s targeting financial institutions. How can we navigate such choppy seas?
Nonresident Alien Interest Reporting – Disaster Management – Most financial institutions are out of compliance on nonresident alien interest reporting and W-8BENs. Learn how to complete the W-8BEN and how we report interest for those countries in the tax exchange program. Why we need a Foreign Taxpayer Identification Number and what we do if we don’t have it. Learn the difference between Customer Identification Programs and interest reporting.
Individual Retirement Account Issues and Changes – New life expectancy tables, death issues and pending legislation make IRAs a hot spot. Do you know what to do when someone dies on an IRA? If you don’t then you can make many errors which can be costly to your institution. SECURE Act 2.0 is pending in Congress and would increase RMDs to 75. Learn more during this session.
Regulation CC holds – Can banks be fined for violating Regulation CC? Of course they can! But how about penalizing the people making the decisions? The OCC has fined a bank’s president when his bank violated Reg CC by placing holds on ACH deposits. The Federal Reserve and the CFPB continue to kick the can down the road on bringing the regulation up to date and making remote-deposited and mobile-deposited checks subject to the funds availability requirements of the regulation. We’ll take a look at what’s happening and offer ideas for making Reg CC holds compliance a little easier
Panel Discussion–Q and A – Q and A session. The instructors take the questions submitted that day for discussion.
Fair Banking with a UDA(A)P Hammer – In March the CFPB provided banks with an early warning. We’ve had fair lending for loan products for a lifetime but a common answer to discrimination questions on the deposit side of the bank is that there is no equivalent to fair lending for deposits. But many of us have preached that “fair banking” is the right mindset. The CFPB has said that even unintentional discriminatory practices on the deposit side can be cited as an unfair practice. That’s the “U” in UDA(A)P and it’s the hammer that can beat you. We’ll nail down some preemptive practices so fair banking can be added to your compliance mindset.
BSA Update – YBeneficial ownership update and coverage of the new national database. When is it coming? What do customers have to do? This session will cover other fast breaking BSA issues from CTRs to Cyber Crimes. Learn more about today’s BSA.
Reg E, EFT, P2P – Problems and Solutions – Reg E continues to be an issue at many banks. The CFPB has updated a Compliance Aid in the form of FAQs. While it doesn’t have the force of the Reg, it might as well. If your bank isn’t understanding the FAQs, claims may be handled incorrectly and noncompliance can cost way more than paying claims even when you feel it’s not what Reg E intended. Let’s look at some claims and claims practices and understand the bank’s responsibilities.
Checks 2.0 – During this session a myriad of check issues will be covered such as forgery, alterations, forged endorsements. Timing and coding of return items and how it all can go sideways. Learn who eats the check from one of the industry experts.
Avoiding Common Violations – Do you know what the common violations in Operations are? You should. Your examiner does. And more, the examiner will look specifically for them. Why – because there is a strong possibility that if other banks have these problems, yours will. Not having those same issues is a plus as it can demonstrate attention to detail and leads them to see yours as a sound compliance program. This session will review the common compliance violations we are hearing about so you can learn from the mistakes of others.
ACH odds and ends – How long do you have to return an ACH check conversion entry if there was a stop payment in effect on the check when the ACH entry was posted? Is there anything you can do if you missed the stop and your customer missed the 60-day cutoff? What can you do if a consumer claims there are 12 unauthorized $150 ACH debits that are three years old on her account, and you have to refund the first three under Regulation E’s rules? Have you seen an increase in Same Day ACH transactions as an ODFI or RDFI? How has your bank or credit union addressed the increased risk that comes with the new larger Same Day entries since March, when the cap went from $100,000 to $1 million per entry?
Legal Paperwork, Court Ordered Accounts, Power of Attorneys – There is a high cost to mismanagement of legal paperwork. Adding signers to fiduciary accounts, not understanding what the fiduciary can do or not do, small estate affidavits and the variations in state laws on all these issues. Make sure you understand the risk of managing these accounts.
Discussion Panel – Q & A – Fascinating discussion of Hot Topics by industry experts. Your questions and the industry expert responses.

In addition, we encourage you to submit questions prior to the conference and we will do our best to incorporate the answers into the program. Simply email your questions to requests@bolconferences.com. Of course, we’ve also set aside time to answer your questions during the conference .
We’ll be monitoring operational compliance developments to bring you the up-to-the-minute information and guidance that you need.

Visa & Reg E Error Resolution
2022-10-04 13:30 - 15:30, 2023-10-17 13:30 - 15:30 (America/Chicago) | Virtual
Course description

Change creates compliance risk. The methods for processing electronic funds transfers continues to evolve. Mobile applications, digital wallets, tokenization all can be used to access your customers’ debit cards. Correctly applying both Regulation E investigation requirements and the Visa chargeback rules to your claim can present financial and compliance risk to your institution if you get it wrong.
Visa chargeback procedures outline what is required of the card issuer, merchant, and cardholder should a dispute arise between a cardholder and a merchant, or if a card is used fraudulently. However, these rules can often create confusion as to how they should be applied to the dispute that crosses your desk. Regulation E applies to many cardholders’ disputes, and its provisions often differ from Visa’s chargeback procedures. That can leave us wondering how long we have to complete an investigation, when to provide provisional credit, and when to ask a cardholder to contact the merchant before accepting their dispute.
In this fast-paced webinar we will compare and contrast Visa Operating Rules with Regulation E investigation and liability requirements. We will explore the chargeback codes that are available for the various scenarios that arise and discuss which claims are covered under Reg E and which are not. Several real-world examples will be included. These case studies will aid the listener in making critical decisions when applying Mastercard rules to assist customers and protect the issuer’s bottom line.
In this two-hour session, Brian will cover:

Visa chargeback process updates
Zero Liability coverage vs. Reg E liability schedule
CFPB Reg E FAQs
Business debit cards
Proper handling of a chargeback when Regulation E also applies
Reg E investigation tips
Enforcement Actions relating to Regulation E investigation procedures
Dispute resolution procedures

Written materials will be provided for the listener to refer to during the presentation.
WHO SHOULD ATTEND:
Front line staff tasked with accepting customer disputes
Chargeback processors, auditors, compliance officers

Mastercard & Reg E Error Resolution
2022-10-06 13:30 - 15:30, 2023-10-18 13:30 - 15:30 (America/Chicago) | Virtual
Course description

Change creates compliance risk. In July 2020 Mastercard revised the arbitration process for more complex claims. Institutions that do not understand the new requirements could end up paying claims that they are not required to or fail to obtain credit from the merchant resulting in unnecessary losses. Knowing what information is needed to successfully recover funds via the chargeback process, but not run afoul of our investigation obligations under Reg E is a delicate tightrope.
Mastercard chargeback procedures outline what is required of the card issuer, merchant, and cardholder should a dispute arise between a cardholder and a merchant, or if a card is used fraudulently. However, these rules can often create confusion as to how they should be applied to the dispute that crosses your desk. Regulation E applies to many cardholders’ disputes, and its provisions often differ from Mastercard’s chargeback procedures. That can leave us wondering how long we have to complete an investigation, when to provide provisional credit, and when to ask a cardholder to contact the merchant before accepting their dispute.
In this fast-paced webinar we will compare and contrast Mastercard Operating Rules with Regulation E investigation and liability requirements. We will explore the chargeback codes that are available for the various scenarios that arise and discuss which claims are covered under Reg E and which are not. Several real-world examples will be included. These case studies will aid the listener in making critical decisions when applying Mastercard rules to assist customers and protect the issuer’s bottom line.
In this two-hour session, Brian will cover:

Mastercard chargeback process updates
Zero Liability coverage vs. Reg E liability schedule
CFPB Reg E FAQs
Business debit cards
Proper handling of a chargeback when Regulation E also applies
Reg E investigation tips
Enforcement Actions relating to Regulation E investigation procedures
Dispute resolution procedures

Written materials will be provided for the listener to refer to during the presentation.
WHO SHOULD ATTEND:
Front line staff tasked with accepting customer disputes
Chargeback processors, auditors, compliance officers

IBA Fall Compliance Forum
2022-10-18 10:00 - 15:00 (America/Chicago) | The Regency Conference Center, 400 Regency Park, O Fallon, IL, 62269-1886, United States
New in 2022, the IBA’s Fall Compliance Forum provides an opportunity for bankers to meet in person and examine pressing issues constructively, exchange ideas, and share solutions among colleagues in a comfortable and professional environment. The agenda will provide timely updates on a variety of topics for you to take to your bank.
This page will be updated as facilitator and other details are confirmed.
Audience
Compliance Officers, Risk Managers, and Auditors
Fee Per Person
IBA Member $265
Nonmember $445

The Regency Conference Center 400 Regency Park
O Fallon, IL 62269-1886Map & Directions

Advanced Compliance Workshop
2022-10-25 08:15 - 2022-10-26 15:00 (America/Chicago) | Mayo Clinic Heath Systems Event Center, One Civic Center Plaza, Mankato, MN, 56001, United States
Compliance is one the most important and most complex functions in banking. Make sure you’re on top of your game. This in-depth workshop is specifically designed for experienced compliance professionals who require the most up-to-date information affecting bank compliance, taught by the leading experts. Plus, you’ll have plenty of opportunity to learn from and network with your counterparts from across the state. Please note attendees should have at least one year of compliance experience and/or have attended the basic compliance school.
Presenter
Jerod Moyer – Banker’s Compliance Consulting. Jerod is the leader of Banker’s Compliance Consulting’s training productions. He is a Certified Regulatory Compliance Manager (CRCM) and Bankers Online Guru.
Brian Crow – TCA. Brian Crow is a nationally-recognized BSA/AML expert with a strong bank compliance management background and a welcome ability to provide focused educational support to TCA client banks.
Registration Fee
Member: $525
Each additional person from the same bank: $450
Qualified Non-Member: $950
Date & Times
October 25, 2022
Check in: 8:15
9:00 – 4:30
4:30 – 5:30 Social Hour on Tuesday evening
Workshop Agenda
Tuesday, October 25
8:15 – 9:00 a.m. Check-in
9:00 – 10:00 a.m. Reg E
10:00 – 11:00 a.m. BSA
11:10 – 11:45 a.m. Minnesota State Statutes
11:45 – 12:30 p.m. Lunch
12:30 – 1:45 p.m. Fair Lending
1:55 – 3:25 p.m. Overdraft
3:35 – 4:20 p.m. Compliance Auditor Panel
4:30 – 5:30 p.m. Social Hour
Wednesday, October 26
8:30 – 11:15 a.m. ECOA 1071
11:15 – 11:45 a.m. Q & A
11:45 – 12:30 p.m. Lunch
12:30 – 3:00 p.m. HMDA (optional)

Anti-Money Laundering Model Risk Management
2022-11-09 13:00 - 15:30 (America/New_York) | Virtual
The 2020 AML Act encourages financial institutions to explore innovative solutions for suspicious activity monitoring. Many institutions either are already or are considering automated solutions to aid in this process. However, in spite of what a salesperson may tell you, these systems are not “plug and play.” Guidance from regulators make it clear that financial institutions are expected to evaluate monitoring parameters, risk rating methodologies, and OFAC filtering models to ensure that they are calibrated based on your unique risk profile. Recently, a community bank was fined $8 million for missing suspicious activity in part due to misuse of its automated system. In this session we will cover the requirements of developing and maintaining a suspicious activity monitoring model.
As financial crimes grow in complexity, the systems needed to monitor, identify, and report suspicious activity must keep pace. The key to a compliance BSA Program is developing adequate policies, procedures, and processes for model risk management, periodic testing of the system to ensure that data feeds are working, and evaluation of the model’s performance to ensure outcomes are generated as expected.
When considering which vendor to utilize, financial institutions should carefully evaluate the system’s capabilities and compare those to the institution’s needs. System limitations may necessitate that some customers and transactions are still monitored manually or require separate monitoring systems/ The process for selecting the right vendor for your institution is just as important as managing the software once it is implemented.
The most common frustration with model risk management is the volume of alerts systems can generate. Proper evaluation and calibration of parameters is necessary to ensure that you are not missing suspicious activity because the model is too narrowly defined, but also that you mitigate the risk of missing suspicious activity because the model is so broad that you cannot keep up with the volume of false alerts.
In this two-hour session, Brian will cover:

Model Development
Model Governance
Model Risk Assessment
Preparing a gap analysis
Data Integrity Analysis
Parameter testing
Model Validation

Written materials will be provided for the listener to refer to during the presentation.
WHO SHOULD ATTEND:
BSA Officer, BSA Analysts, BSA Auditors

Chicagoland Compliance Annual Conference - 2022
2022-11-17 07:30 - 16:30 (America/New_York) | Drury Lane Theatre, 100 Drury Ln, Oakbrook Terrace, IL, 60181, United States
ANNUAL CONFERENCE

NOVEMBER 17 @ 7:30 AM – 4:30 PM CST

Cost:
Members: $165
Non-members: $265
Breakfast and lunch are included. Please indicate any dietary restrictions on your Registration.
An opportunity to have a day away from the office to recharge your batteries and network with fellow compliance professionals. Hear knowledgeable presenters speak on a variety of compliance-related topics and network with vendors and not for profit agencies in our vendor area.
Please send any questions you have for our speakers, in advance to: Speaker Questions.
Speakers & Topics :

CMS Best Practices, Common Audit Findings & New Areas of Risk

Brian Crow, Managing Partner & Co-President, TCA

Flood and New Interagency FAQs

Sara McGinnis, Director, CrossCheck Compliance

Fair Credit Reporting Act Hot Topics

Lisa DeLessio, Partner, Hudson Cook LLP

Lunch – Climate Change

Tim Joyce, Meteorologist, WGN-TV

Add-on Products/Services and Junk Fees

Kathy Enbom, Principal, Wipfli LLP

Regulatory Update and Enforcement Actions

Marc Franson, Partner, Chapman and Cutler LLP

Third Party Risk

Jill Czerwinski, Principal, Crowe LLP

Registration and Breakfast begins at 7:30 am
Session runs from 8:30 am to 4:30 pm
Attendees are advised to arrive before 8:00 am

Last day of registration is end of business on November 11, 2022.
As a reminder, CCA no longer accepts cash or checks as payment for meetings or membership dues. Payment is only accepted in advance by debit or credit card via our website. Registration for meetings or membership will not be considered complete without prepayment. CCA is no longer able to invoice for events and entry will be denied if payment has not been received. Payment can be made in advance using a debit or credit card via CCAs PayPal page. Failure to pay in advance may result in removal of registration for the event.
Vendor booth opportunities are still available. Please contact Robin Guthridge for more information.
Speakers and Topics may be subject to change.
This session has been approved for 5.5 CRCM credits.
This session is not to be recorded electronically without written permission from the Chicagoland Compliance Association and all speakers. materials and opinions shared from the speakers are not necessarily those of the organization they represent and therefore, unless otherwise indicated, should be assumed personal and not indicative of any implied liability or accountability back to the respective organization.
Reservation cancellations received by the CCA after the registration deadline of November 11, 2022 will not receive a refund.
By registering for the event, the registrant agrees to adhere to Drury Lane and/or City of Oakbrook Terrace COVID requirements at the time of the event.
If after registering you do not see the “Thank You” page or you do not receive a confirmation email within two days, then your registration has not been received. Please email the CCA.
If you are unsure if your institution is a CCA member, please check here first. There will be no refunds in the event of an overpayment.
Click here to register.

2023 Regulatory Compliance Series
2023-09-18 08:00 - 2023-09-22 17:00 (America/Chicago) | Center for Banking Excellence, 3201 West White Oaks Dr., Suite 400, Springfield, IL, 62704, United States
Monday, September 18, 2023 – Friday, September 22, 2023

Hybrid Delivery Options (select your preference when registering)
IBA Center for Banking Excellence, Springfield OR Live Streamed
This comprehensive series provides an overall deep understanding of the complexities of regulatory compliance and how they apply to everyday situations. New and seasoned team members will diminish the complex nature of regulatory compliance after attending this program. View Flyer
Sessions

Program 1 – September 18 – Credit Compliance, Part 1
Program 2 – September 19 – Credit Compliance, Part 2
Program 3 – September 20 – Credit Compliance, Part 3
Program 4 – September 21 – Deposit Compliance
Program 5 – September 22 – BSA/AML Compliance & Regulators’ Forum

Facilitators: Programs 1, 2, and 3

Michelle Strickland, CRCM, is managing partner and co-president at TCA. Her banking background includes consumer, residential, and secondary market loan processing, and most recently, with a large Indiana bank, responsible for loan servicing, commercial loan processing, and documentation, and residential and consumer loan processing and documentation.
Monique Reyna, CRCM, is a compliance consultant at TCA with more than 25 years of lending experience. During her early banking career, she held positions in processing, underwriting, closing, post-closing, and servicing. Prior to joining TCA, she served as senior vice president of lending overseeing regulatory compliance within the lending department, including developing bank policies and procedures, conducting internal compliance reviews, and providing staff training.

Facilitator: Programs 4 and 5

Brian Crow, CAMS, managing partner and co-president at TCA, is a nationally recognized expert of Reg E and BSA/AML. He is an education consultant for the Glia Group BOL Learning Connect program, conducting webinars that cover Visa/MasterCard chargebacks, debit card compliance, and fraud prevention. Crow was recognized as a Bankers Online Guru in 2011.

Continuing Education
ABA Professional Certifications is dedicated to promoting the highest standards of performance and ethics within the financial services industry. The Regulatory Compliance Series has been approved for 8 CAFP, and 40 CRCM credits. Credit Breakdown: Program 1-CRCM 8 credits, Program 2-CRCM 8 credits, Program 3-CRCM 8 credits, Program 4-CRCM 8 credits, and Program 5-CAFP, CRCM 8 credits. This statement is not an endorsement of this program or its sponsor.
The IBA is recognized as a public accountant continuing professional education sponsor by the Illinois Department of Financial and Professional Regulation. Public accountants licensed in the state of Illinois will earn 35 credits of continuing professional education credit for attending the five-part series (7 credits per program).
Audience
Compliance Officers and Managers, Consumer Lenders, Residential Real Estate Lenders, Personal and Retail Bankers, Operations Officers, Legal Counsel, Auditors, and Cashiers
Hotel Information
Courtyard – Springfield
3462 Freedom Drive
Springfield, IL 62704
Hotel: 217-793-5300
IBA Rate: 15% off the available rate
Per Person Fee
IBA Member
All five programs: $1,225
Individual program: $265
Nonmember
All five programs: $2,045
Individual program: $445

2023 Chicagoland Compliance Annual Conference
2023-10-05 08:30 - 16:00 (America/Chicago) | Drury Lane Theatre, 100 Drury Ln, Oakbrook Terrace, IL, 60181, United States
2023 CCA ANNUAL CONFERENCE

OCTOBER 5 @ 8:30 AM – 4:00 PM CDT

Cost:
Members: $180
Non-members: $225
Breakfast and lunch are included. Please indicate any dietary restrictions on your Registration.
An opportunity to have a day away from the office to recharge your batteries and network with fellow compliance professionals. Hear knowledgeable presenters speak on a variety of compliance-related topics and network with vendors and not for profit agencies in our vendor area. Don’t forget to bring those business cards for networking and raffles!
This session has been approved for 7.25 CRCM, 5.5 CERP, 2.25 CAFP credits and certain courses may be CAMS eligible.
Please send any questions you have for our speakers, in advance to: Speaker Questions.
Speakers & Topics :

Appraisal Bias: Issues, Challenges and Risk Mitigation
The session will discuss appraisal bias in residential transactions, the PAVE report, investigations of HUD cases, and how to reduce appraisal bias risks.

Yana Karnaukhov, Compliance Center Director, HUD

Trends in Check and Electronic Payments Fraud
Fraudsters continue to develop new techniques, which often leads to the financial institution taking losses to reimburse customers. In this session we will examine the latest fraud trends in checks and in electronic payments such as Zelle, Cash App and Venmo and discuss strategies for loss mitigate. We will also consider the regulatory requirements that dictate when we must reimburse our customers and what recovery options are available.

Brian Crow, Managing Partner & Co-President, TCA

Compliance Agility: Keeping up with Regulators, Changes and Risks
This panel will provide tips on being agile and keeping up with emerging risks, current events, regulatory changes, and regulator expectations at their institution and for their overall Compliance Management System.

Joel Ramos, EVP and Chief Compliance Officer, Busey Bank
Deitra Jackson, SVP Head of North America Banking and Custody Compliance, Northern Trust

Lunch – Regulatory Update and Enforcement Actions
This session will cover regulatory changes impacting banks, as well as review recent enforcement actions and go over any conclusions drawn from them.

Brent McCauley, Partner, Barack Ferrazzano Financial Institutions Group

Compliance Investigations, Complaint Trending, and Social Media Compliance
Key considerations for conducting compliance related investigations, analyzing complaints for further investigation, and monitoring social media for compliance issues.

Liza Warner, Partner, CrossCheck Compliance
Karen Cullen, SVP-Legal, Risk and Compliance, Landmark Credit Union

Hot Topics for BSA/AML
This session will cover the latest hot topics affecting BSA/AML risk management. The presentation will touch upon regulatory expectations for utilization of AI technologies, exam priorities and exam readiness, and the increased focus on fraud issues.

John McVoy, SVP Director of Financial Crimes Risk Management, HTLF

When Does Targeted Marketing Become Digital Redlining?
This session will discuss laws, regulations, and risks relevant to discrimination in online marketing, including the Equal Credit Opportunity Act and its implementing Regulation B; the Fair Housing Act; prohibitions on UDAAP; and reputation risk. Financial institutions – including their marketing teams – that use digital channels to market to existing and potential clients must be aware of these requirements and risks to avoid discrimination.

Denise Banks, Chief Compliance Officer, CIBC Bank USA
Dawanda Lomax, US Head of Fair & Responsible Banking, CIBC Bank USA

Registration and Breakfast begins at 7:30 am
Session runs from 8:30 am to 4:30 pm
Attendees are advised to arrive before 8:00 am

Last day of registration is end of business on September 29, 2023.
As a reminder, CCA no longer accepts cash or checks as payment for meetings or membership dues. Payment is only accepted in advance by debit or credit card via our website. Registration for meetings or membership will not be considered complete without prepayment. CCA is no longer able to invoice for events and entry will be denied if payment has not been received. Payment can be made in advance using a debit or credit card via CCAs PayPal page. Failure to pay in advance may result in removal of registration for the event.
Vendor booth opportunities are still available. Please contact Robin Guthridge for more information.
Speakers and Topics may be subject to change.
This session is not to be recorded electronically without written permission from the Chicagoland Compliance Association and all speakers. materials and opinions shared from the speakers are not necessarily those of the organization they represent and therefore, unless otherwise indicated, should be assumed personal and not indicative of any implied liability or accountability back to the respective organization.
Reservation cancellations received by the CCA after the registration deadline of September 29, 2023 will not receive a refund.
By registering for the event, the registrant agrees to adhere to Drury Lane and/or City of Oakbrook Terrace COVID requirements at the time of the event. If you’re sick on the day of the event, please stay home and get well.
If after registering you do not see the “Thank You” page or you do not receive a confirmation email within two days, then your registration has not been received. Please email the CCA.
If you are unsure if your institution is a CCA member, please check here first. There will be no refunds in the event of an overpayment.
Click here to register for this event.

2023 Compliance Forum
2023-10-12 10:00 - 15:00 (America/Chicago) | The Regency Conference Center, 400 Regency Park, O Fallon, IL, 62269-1886, United States
Compliance Forum – October 12

Hybrid Event

Thursday, October 12, 2023 10:00 AM – 3:00 PM

Hybrid Delivery Options (select your preference when registering)
The Regency Conference Center, O’Fallon, or Live Streamed

The IBA’s October Compliance Forum provides an opportunity for bankers to meet in person and examine pressing issues constructively, exchange ideas, and share solutions among colleagues in a comfortable and professional environment. We will provide timely updates on a variety of topics for you to take back to your bank.
Agenda
9:00 am Registration & Networking
10:00 am Welcome and Introductions
10:15 am Lending
11:15 am Deposits & Other
12:15 pm Lunch
1:00 pm CRA
2:00 pm BSA
Learning Objectives
At the conclusion of this forum, participants should be able to:
• Comprehend the impact of changes in regulations.
• Identify reactive and proactive steps to deal with the changes.
• Describe issues regulatory examiners are criticizing at peer institutions and implement practical cost-effective solutions.
Facilitator
Brian Crow, CAMS, is Managing Partner and Co-President of TCA Compliance. Brian’s passion for and skill in protecting bank assets from fraud and compliance losses have earned him the nickname “Security Evangelist.” In addition to developing and guiding the strategic vision for TCA, Brian delivers focused educational support to clients and helps them manage TCA’s suite of consulting, audit, and training services. He’s a nationally recognized expert on BSA/AML and deposit compliance and is a regular speaker at the annual BSA/AML Top Gun Conference.
Audience
Compliance Officers, Risk Managers, and Auditors
Continuing Education
American Bankers Association (ABA) Professional Certifications – 5 CRCM, 1.25 CAFP credits
Illinois Public Accountants – 4.50 CPE credits
Fee Per Person
Member $250
Nonmember $450
Map & Directions

Advanced Compliance Workshop
2023-10-24 09:00 - 2023-10-25 17:30 (America/Chicago) | Mayo Clinic Heath Systems Event Center, One Civic Center Plaza, Mankato, MN, 56001, United States
Compliance is one the most important and most complex functions in banking. Make sure you’re on top of your game. This in-depth workshop is specifically designed for experienced compliance professionals who require the most up-to-date information affecting bank compliance, taught by the leading experts. Plus, you’ll have plenty of opportunity to learn from and network with your counterparts from across the state. Please note attendees should have at least one year of compliance experience and/or have attended the basic compliance school.
Find the agenda here
Presenter
Jerod Moyer – Banker’s Compliance Consulting. Jerod is the leader of Banker’s Compliance Consulting’s training productions. He is a Certified Regulatory Compliance Manager (CRCM) and Bankers Online Guru.
Brian Crow – TCA. Brian Crow is a nationally-recognized BSA/AML expert with a strong bank compliance management background and a welcome ability to provide focused educational support to TCA client banks.
Linda Ezuka – Founder of CRA Today. Linda has over 29 years of community development experience, with emphasis in CRA, compliance, training, community development lending and CDFI initiatives
Registration Fee
Member: $565
Each additional person from the same bank: $495
Qualified Non-Member: $950
Date & Times
October 24 & 25, 2023
Check in: 8:15
9:00 – 4:30
4:30 – 5:30 Social Hour on Tuesday evening

2024 BSA/AML Top Gun Conference
2024-03-11 10:00 - 2024-03-12 17:00 (America/New_York) | Virtual
Change is the one constant in the Bank Secrecy Act. While some conferences will inform you what the changes will be, BOL Conference’s Top Gun BSA Conference’s panel of expert speakers take the next step and provide not just the “what” but the “how” to compliance. Real world experience takes you beyond the theory of compliance into the practical application of each of the topics we cover.
The Top Gun Conference will explore many of the hot topics in the industry. We’ll also tackle evolving sanctions due to the wars in Ukraine and Israel. Whether you are new to BSA or an experienced BSA Officer, we’ll give you tools to enhance your BSA Program.
Our convenient virtual environment makes it possible for you to train a full conference room of employees. Playback options allow you to rewatch sections you want to hear again or to share with business lines. Get the information you need to know when you need it!
Feedback from previous conferences indicates that our question-and-answer sessions continue to be some of the most popular times during the conference. We are expanding these sessions so that we can get to more of the questions that you submit prior to and during the conference. Have a question? Ask it! There is a good chance that one of your fellow participants has the same question. Have a topic suggestion? Submit it to questions@bolconferences.com .
This is YOUR conference. We encourage you to submit topics that our panel can cover in the rapid-fire BSA Pepper or as a stand-alone session. Our speakers will continue to monitor FinCEN’s rulemaking so that we provide the most current information that you will need to adjust your Program.
I would like to personally invite you to join me and our expert speaker panel on March 11th and 12th for Top Gun 2024.

March 11

10:00 – 10:50
What Happened Since Last Year?
Brian Crow

10:50 – 11:00
BREAK

11:00 – 11:30
Corporate Transparency Act Update
John Burnett

11:30 – 12:15
Best Practices for Board Training
Adam Witmer

12:15 – 12:30
BREAK

12:30 – 1:30
The Evolution of Artificial Intelligence and Suspicious Activity Monitoring
Robin Guthridge

1:30 – 2:30
LUNCH

2:30 – 3:00
Digital Currency Update
Brian Crow

3:00 – 3:50
From Start to Finish: Overhauling Your Risk Model
Victor Cardona

3:50 – 4:00
BREAK

4:00 – 4:50
Managing Higher Risk Customers
Robin Guthridge

4:50 – 5:00
BREAK

5:00 – 6:00
Q and A

6:00
Adjourn

March 12

10:00 – 10:50
SAR Decision Making
Brian Crow

10:50 – 11:00
BREAK

11:00 – 11:50
Keeping up with FinCEN SAR Typologies
Victor Cardona

11:50 – 12:00
BREAK

12:00 – 12:50
FATF: Abuse of Non-Profit Organizations
Adam Witmer

12:50 -12:55
BREAK

12:55 – 1:30
Geographic Targeting Orders and AML for Real Estate
John Burnett

1:30 – 2:30
LUNCH

2:30 – 3:30
Upgrading Your Risk Assessment
Robin Guthridge

3:30 – 3:45
BREAK

3:45 – 4:45
BSA Pepper

4:45 – 5:00
BREAK

5:00 – 6:00
Q and A

6:00
Adjourn

BSA/AML 2-Day School
2024-03-26 08:00 - 2024-03-27 17:00 (America/New_York)
This seminar assists financial institutions in meeting the annual training requirements imposed by the BSA regulations and provides attendees with the opportunity to network with other professionals interested in BSA compliance.
Seminar Information
This two-day program is designed to encompass the broad range of topics included in the realm of the Bank Secrecy Act and Anti-Money Laundering.​
SESSION TOPICS*

BSA Updates
In this session we will recap recent FinCEN advisories, guidance, and hot topics. We will also cover recent enforcement actions to analyze what went wrong and where we can expect examiners to focus in the upcoming exam cycle. This will be a great opportunity to catch up on what you should be considering in your Program and how AML/CFT continues to evolve.
OFAC Sanctions Updates from Ukraine and Gaza
For many community banks that do not have an international presence, it may seem like conflicts on the other side of the world may not pose much risk. However, bad actors continue to look for weak links in the US financial system to exploit and evade sanctions. Understanding the scope and focus of new sanctions is key to adequately evaluating your risk and ensuring processes are reasonably designed to mitigate those risks.
Best Practices for Validating AML and OFAC Monitoring Software
All institutions, even those who use manual processing for suspicious activity monitoring, have a model whether they know it or not. More and more examiners are focusing on the methodologies we employ to manage model risk, whether it be to identify suspicious activity, higher risk customers, or potential OFAC matches. We must be prepared to answer questions like, “How does your system work? and “How did you determine what thresholds to use?” The key to answering these questions is in how you documented decisions you made when implementing software, and how you validated that the decisions you made were reasonable. In this session we will walk through the governance process of managing software and how to ensure its validation complies with regulatory guidance.
Managing FinTech Risk
Regulatory agencies have published updated guidance relating to managing third-party risk, particularly as it relates to FinTechs. Many FinTechs are looking for financial institution partnerships to support their product or service offering. In this session we will consider the types of due diligence that should be considered prior to onboarding a FinTech relationship and over the life of the partnership.
SAR Narratives That Catch Law Enforcement’s Eye
Many bankers have the perception that the SARs they spend hours filing wind up in a bureaucratic black hole, never to be seen again. The reality is that law enforcement agencies have many SARs to sort through and are going to focus on those cases which present significant risk to the financial industry, consumers, or national security. In this session we will discuss how to make your SAR stand out and be as useful as possible to law enforcement.
Enhanced Due Diligence for Higher Risk Customers
One of the challenges a BSA Officer faces with higher-risk customers is how to put all the pieces of the puzzle together. Some customers have very specific documentation listed in the examination procedures, others do not. Ensuring that procedures are adequate to address all the various customer types, as well as use the information collected to support a documented conclusion is critical to demonstrating to our examiners that we understand customer activity.
Suspicious Activity Reporting and Cyber Events
FinCEN has published advisories on cyber fraud, identity theft, ransomware, and a host of other cyber related crimes. It can be a challenge to know when a SAR is required, what dollar amount(s) to report, and how to identify this type of activity to protect our customers and our institutions. In this session we will explore the world of Cyber Crime as well as the types of crime highlighted on the SAR to help us navigate these ever-changing fraud patterns.
Update on Digital Currencies
What’s the difference between game tokens, non-fungible tokens, and convertible virtual currency? Confused yet? Digital currency has been in the news recently, and for all the wrong reasons. However, that doesn’t mean that providing services to these customers is bad. It just means we have more risk to manage. In this session we will discuss the various types of digital currency, the risks that each can pose, and what due diligence measures we should take when we find one of our customers engaged in digital currency transactions.
Update on AML Act Implementation including the Corporate Transparency Act
FinCEN has completed two of its three rule makings to implement the Corporate Transparency Act. The Beneficial Ownership Secure System (BOSS) has received over 100,000 registrations from legal entities during the first couple of weeks of going live. But what does this mean for our financial institution? What happens? And what new regulations can we expect to see? In this session we will bring you up to date so you know what to share with your Board and Senior Management Teams as we prepare for what is to come.
FinCEN’s AML/CFT Priorities and Red Flags for Identifying Suspicious Activity
FinCEN published eight AML/CFT priorities in June 2021, but we haven’t heard anything since. The notice stated there were no new rules or policy changes that were required of the industry, but that proposals would be forthcoming. 2 ½ years later and we haven’t heard anything further. In this session will bring these priorities back to the front burner and discuss what we should be considering in terms of higher risk businesses and patterns of activity that may require a second look to ensure we don’t have these types of suspicious activity occurring at our institutions.
SAR Decision Making Process
This session will be a prep session for the one that immediately follows it. We will review investigation methodologies, procedures for determining if a SAR should be filed, and documentation expectations for conclusions and supporting data. We will consider the use of SAR Committees in the decision-making process and steps for escalating alerts to cases, and meeting investigation timeframes to ensure timely SAR filing.
SAR Investigation Processes
This session is designed to be interactive, so be sure to bring your questions, procedural ideas, and investigation methods. The speaker will provide several scenarios where a reviewer receives limited transactional information from a system alert, spreadsheet, or staff referral. Participants are invited to ask questions or state what additional research they would conduct based on the limited information given. The facilitator will provide additional details about the case as the investigation “progresses” to simulate an actual investigation. At the end of each investigation, the participants can voice their opinions whether they believe a SAR should or should not be filed based on the information obtained during the discussion.
The Future of AML/CFT Compliance: Artificial Intelligence
For AML/CFT Professionals that have spent many years in the industry, the prospect of changing how we identify, monitor, and report suspicious activity can be particularly intimidating. From manual reports, to rule-based systems, to machine learning in the span of a few decades shows that technology will continue to speed up before it slows down. In this session we will consider the potential risks and benefits that AI poses for our industry, and take a peek at what the future may hold.

*Note: Topics are subject to change based on new guidance or regulation that is published.
AGENDA
Tuesday, March 26, 2024
9:00 – 10:00 am BSA Updates
10:00 – 10:30 am OFAC Sanctions Updates from Ukraine and Gaza
10:30 – 10:45 am Break
10:45 am – 12:00 pm Best Practices for Validating AML and OFAC Monitoring Software
12:00 – 1:00 pm Lunch
1:00 – 1:45 pm Managing FinTech Risk
1:45 – 2:30 pm SAR Narratives That Catch Law Enforcement’s Eye
2:30 – 2:45 pm Break
2:45 – 4:00 pm Enhanced Due Diligence for Higher Risk Customers
Wednesday, March 27, 2024
9:00 – 9:45 am Suspicious Activity Reporting and Cyber Events
9:45 – 10:15 am Update on Digital Currencies
10:15 – 10:30 am Break
10:30 – 11:15 am Update on the AML Act Implementation including the
Corporate Transparency Act
11:15 am – 12:00 pm FinCEN’s AML/CFT Priorities and Red Flags for
Identifying Suspicious Activity
12:00 – 1:00 pm Lunch
1:00 – 1:30 pm SAR Decision Making
1:30 – 2:30 pm SAR Investigation Processes
2:30 – 2:45 pm Break
2:45 – 4:00 pm The Future of AML/CFT Compliance: Artificial Intelligence​
Speaker Information

Brian J. Crow, CAMS Managing Partner/Co-President, TCA
Brian Crow is a nationally recognized Deposit Compliance and BSA/AML expert with a strong bank compliance management background and a welcome ability to provide focused educational support to TCA client banks. Mr. Crow most recently was BSA Administrator for a suburban Chicago bank, where his responsibilities included the bank’s annual assessment and audit documentation. Earlier, as Operations Officer at the same bank, Mr. Crow monitored AML activity and helped install automated AML software that allowed the bank to transition from paper to electronic CTRs. His activities were responsible for reducing debit card fraud by 95 percent at the bank.
Mr. Crow has been, and continues to be, an education consultant for the Glia Group BOL Learning Connect program, conducting webinars that have covered VISA/MasterCard chargebacks, debit card compliance and fraud prevention for hundreds of banks. In this role, Mr. Crow was recognized as a Bankers Online Guru in 2011. Like many of us, Mr. Crow began his banking career as a teller, working his way up to head teller and then branch management responsibilities. He earned a B.A. degree from Concordia University, River Forest, Illinois.
Registration Information

Registration Dates
Member
Non-Member

Through February 26, 2024
$575
$1,075

February 27-March 25, 2024
$595
$1,095

REGISTER NOW!
Hotel Information
Hampton Inn Richmond West Innsbrook
10800 W Broad Street
Glen Allen, VA 23060
The VBA has a negotiated rate of $119/night, plus applicable taxes and fees. The rate includes a complimentary hot breakfast. To take advantage of the negotiated rate, reservations must be made by March 11, 2024. Click here to make your reservation.
Sponsorship Opportunities
Contact Amy Binns for more information.

THIS ITEM APPEARS IN

Event Calendar
In Person – Compliance
In Person – Enterprise Risk Management (ERM)
In Person – Operations & Technology
In Person – Security
In Person – Training

RELATED PROFILES

EDUCATION & TRAINING

Michele DunnEvent Planner

(804) 819-4748

mdunn@vabankers.org

EVENT QUICKLINKS

Event Calendar
Government Relations Events
VBA Virtual
Sponsorship & Exhibiting Opportunities

MEMBERSHIP QUICKLINKS

2024 Advanced BSA Academy
2024-04-22 08:00 - 2024-04-26 17:00 (America/New_York) | The Lodge at Gulf State Park, 21196 East Beach Blvd, Gulf Shores, AL, 36542, United States
Advanced BSA Academy
April 22-26, 2024
The Lodge – Gulf Shores, AL

Compliance with the Bank Secrecy Act (BSA) continues to be a top priority of the regulators. Examiners are increasing their focus to ensure financial institutions are complying with all aspects of the Bank Secrecy Act (BSA) and its many regulatory requirements. To assist in meeting these requirements Alabama Bankers is pleased to offer a one week intensive Advanced BSA/AML School. Not only is the program designed to meet your training requirements; it is also designed for you to hear from leading industry experts, law enforcement, and regulatory agencies on the latest changing BSA topics and to gain tips and tools to develop and manage an effective BSA program.
Each year, the curriculum is updated and revised to reflect the current BSA/AML environment. The program provides valuable insight and information on current emerging issues related to BSA/AML compliance. Attendees will also benefit from shared knowledge, networking, and best practices. Attendees will leave with valuable real world tips, tools, take-aways, checklists, and “how to” best practices to manage BSA/AML and OFAC requirements.
2024 Brochure
Who Should Attend:
This is not an introductory program; it is designed for BSA professionals with a working knowledge of all aspects of the BSA regulations and rules. It provides a higher level of lecture, training, and interactive discussion regarding the challenges of developing and managing an effective BSA program.

Virtual Compliance School
2024-05-21 09:00 - 13:00 (America/New_York) | Virtual
MAY 21, 2024 – 9:00AM – 1:00PM
MAY 23, 2024 – 9:00AM – 1:00PM
MAY 28, 2024 – 9:00AM – 1:00PM
MAY 29, 2024 – 9:00AM – 1:00PM
MAY 31, 2024 – 9:00AM – 1:00PM
JUNE 10, 2024 – 9:00AM – 1:00PM
JUNE 12, 2024 – 9:00AM – 1:00PM

Virtual Compliance School consists of two tracks, Lending and Deposits, and is designed for entry-mid level compliance personnel.
In 2024, the VBA and NCBA will join together to host the virtual school with a five day Lending track and a two day Deposits track.

Trends in Check Fraud (Webinar)
2024-06-04 10:00 - 11:00 (America/New_York) | Virtual
June 4, 2024
10am-11:30am

Member Fee (Live or Recording): $165 per connection
Non-Member Fee (Live or Recording): $265 per connection

Fraudsters continue to develop new techniques for helping our customers part with their hard-earned money. Often this leads to the financial institution taking losses to reimburse our customers. In this webinar, we will examine the latest fraud trends and discuss strategies for loss mitigation. The discussion will consider the operational requirements and challenges for processing check related claims and should not be considered legal advice.

Operations Compliance Triage
2024-09-17 08:00 - 2024-09-18 17:00 (America/New_York) | Virtual
TUESDAY, SEPTEMBER 17, 2024
Day 1

CENTRAL TIME

SESSION

9:00 – 10:00
Update on Deposit Related Issues-What’s Happened Since Last Year?
Deborah Crawford

10:00 – 10:10
BREAK

10:10 – 11:00
Marijuana Update — the Operations side – Brian Crow

11:00 – 11:10
BREAK

11:10 – 12:00
Closed Accounts, Stop Payments, Unauthorized Transactions-A myriad of Deposit Issues
John Burnett

12:00 – 1:00
LUNCH

1:00 – 2:00
W-8BENs and NRA Interest Reporting – Deborah Crawford

2:00 – 2:10
BREAK

2:10 – 3:00
Regulation CC Update and Changes for 2025 – John Burnett

3:00 – 3:10
BREAK

3:10 – 4:00
Check Fraud-Counterfeit Checks, Altered Checks, Forged Endorsements – Brian Crow

4:00 – 5:00
Q & A

Adjourn – See you tomorrow!

2024 Regulatory Compliance Series
2024-09-23 08:00 - 2024-09-27 17:00 (America/Chicago) | Center for Banking Excellence, 3201 West White Oaks Dr., Suite 400, Springfield, IL, 62704, United States
Regulatory Compliance Series

Hybrid Event

Monday, September 23, 2024 – Friday, September 27, 2024 iCalendarCentral Standard Time

Hybrid Delivery Options (select your preference when registering)
IBA Center for Banking Excellence, Springfield OR Live Streamed
This comprehensive series provides an overall deep understanding of the complexities of regulatory compliance and how they apply to everyday situations. New and seasoned team members will diminish the complex nature of regulatory compliance after attending this program. View Brochure
Sessions

Program 1 – September 23 – Credit Compliance, Part 1
Program 2 – September 24 – Credit Compliance, Part 2
Program 3 – September 25 – Credit Compliance, Part 3
Program 4 – September 26 – Deposit Compliance
Program 5 – September 27 – BSA/AML Compliance & Regulators’ Forum

Facilitators: Programs 1, 2, and 3

Michelle Strickland, CRCM, is managing partner and co-president at TCA. Her banking background includes consumer, residential, and secondary market loan processing, and most recently, with a large Indiana bank, responsible for loan servicing, commercial loan processing, and documentation, and residential and consumer loan processing and documentation.
Monique Reyna, CRCM, is a compliance consultant at TCA with more than 25 years of lending experience. During her early banking career, she held positions in processing, underwriting, closing, post-closing, and servicing. Prior to joining TCA, she served as senior vice president of lending overseeing regulatory compliance within the lending department, including developing bank policies and procedures, conducting internal compliance reviews, and providing staff training.

Facilitator: Programs 4 and 5

Brian Crow, CAMS, managing partner and co-president at TCA, is a nationally recognized expert of Reg E and BSA/AML. He is an education consultant for the Glia Group BOL Learning Connect program, conducting webinars that cover Visa/MasterCard chargebacks, debit card compliance, and fraud prevention. Crow was recognized as a Bankers Online Guru in 2011.

Continuing Education
ABA Professional Certifications is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This series has been approved for 8 CAFP, 40 CRCM credits (Programs 1-5 CRCM 8 credits each, Program 5-CAFP credits). This statement is not an endorsement of this program or its sponsor.
The IBA is recognized by the Illinois Department of Financial and Professional Regulation as a public accountant continuing professional education sponsor. Public accountants licensed in the state of Illinois will earn 35 credits of continuing professional education credit for attending the five-part series (7 credits per program).
Audience
Compliance Officers and Managers, Consumer Lenders, Residential Real Estate Lenders, Personal and Retail Bankers, Operations Officers, Legal Counsel, Auditors, and Cashiers
Hotel Information
Courtyard – Springfield
3462 Freedom Drive
Springfield, IL 62704
Hotel: 217-793-5300
IBA Rate: 20% off the available rate
Per Person Fee
IBA Member
All five programs: $1,225
Individual program: $265
Nonmember
All five programs: $2,045
Individual program: $445

Compliance Peer Group
2024-10-11 10:00 - 15:00 (America/New_York)
Compliance Peer Group

Hybrid Event

Friday, October 11, 2024 10:00 AM – 3:00 PM iCalendarCentral Standard Time

Hybrid Delivery Options (select your preference when registering)
The Regency Conference Center, O’Fallon, or Live Streamed
The Compliance Peer Groups provide an opportunity for bankers to join together and examine pressing issues constructively, exchange ideas, and share solutions among colleagues in a comfortable and professional environment. We will provide timely updates on various topics for you to take back to your bank.
Agenda
9:00 a.m. Registration & Networking
10:00 a.m. Welcome and Introductions
10:15 a.m. Lending
11:15 a.m. Deposits & Other
12:15 p.m. Lunch
1:00 p.m. CRA
2:00 p.m. BSA
Learning Objectives
At the conclusion of this session, participants should be able to:

Comprehend the impact of changes in regulations.
Identify reactive and proactive steps to deal with the changes.
Describe issues regulatory examiners are criticizing at peer institutions and implement practical, cost-effective solutions.

Benefits

Networking: Participants can network with fellow bankers, fostering professional connections and potential collaborations.
Regulatory Updates: Stay informed about the latest changes in lending, deposits, CRA (Community Reinvestment Act), and BSA (Bank Secrecy Act) regulations, ensuring your bank remains compliant with current requirements.
Best Practices Sharing: Exchange best practices and innovative solutions with peers to effectively address compliance challenges in areas such as lending, deposits, CRA, and BSA.
Proactive Compliance Strategies: Learn proactive steps to anticipate and adapt to regulatory changes, helping your bank maintain compliance while minimizing disruptions to operations.
Practical Implementation: Acquire practical, cost-effective solutions for implementing compliance measures, ensuring your bank meets regulatory expectations efficiently and effectively.
Skill Enhancement: Develop your understanding of compliance regulations and enhance your ability to interpret and implement regulatory requirements in areas such as lending, deposits, CRA, and BSA.
And much more…

Technology Requirements – Virtual Attendees Only

Have Zoom virtual meeting access
Interact with facilitators and all participants in a live, virtual environment
Actively participate in live and chat discussions
Have complete, working computer microphone, camera, and speakers or phone access
Keep cameras on for the duration of the program

Facilitator
Brian Crow, CAMS, is Managing Partner and Co-President of TCA Compliance. Brian’s passion for and skill in protecting bank assets from fraud and compliance losses have earned him the nickname “Security Evangelist.” In addition to developing and guiding the strategic vision for TCA, Brian delivers focused educational support to clients and helps them manage TCA’s suite of consulting, audit, and training services. He’s a nationally recognized expert on BSA/AML and deposit compliance and is a regular speaker at the annual BSA/AML Top Gun Conference.
Audience
Compliance Officers, Risk Managers, and Auditors
Continuing Education
ABA Professional Certifications 5 CRCM, 1.25 CAFP credits
CPE for Illinois Public Accountants 4.50 hours
Fee Per Person
Member $250
Nonmember $450
Map & Directions

Bank Security Conference
2024-10-22 08:00 - 17:00 (America/New_York) | Virtual
10:00 AM – 10:50 AM (Eastern)
Observation vs Perception: Improving Your Ability to Pick Up on Suspicious Activity

A fast-moving and entertaining program designed to improve your observation or situational awareness and to make employees more aware of their surroundings. This is an awareness session to improve your observation skills. What you see is not always what your brain tells you that you see. You will get a better understanding of ways to improve your crime prevention efforts by absorbing and interpreting what’s going on around you and why differences in opinions and descriptions can occur from several observers after all have seen the same incident. Situational awareness is a developed skill and a major part of crime prevention improvement. You will also get an understanding of why differences in opinions and descriptions can occur from several observers after all have seen the same incident. Suggestions will also be given on how to improve your ability to remember things and events.
Takeaways

Enhanced Observation Skills: Develop sharper observation skills to improve situational awareness and better understand your surroundings.
Improved Crime Prevention: Learn effective techniques to absorb and interpret environmental cues, enhancing your efforts in crime prevention.
Understanding Perception Differences: Gain insight into why different observers may have varying opinions and descriptions of the same incident and how to account for these differences.
Memory Improvement Techniques: Receive practical suggestions on how to enhance your ability to remember things and events accurately, aiding in more reliable incident reporting and analysis.

BRANCH WALTON

11:00 AM – 12:00 PM (Eastern)
What does the security officer need to know about BSA/SARs?

As technology has evolved, the role of the Security Officer has evolved as well. Threats to the bank are no longer all physical. In today’s fast paced and interconnected world, many of the threats we defend against are virtual. Over the last several years, the fastest growing reason for suspicious activity reports relates to fraud, identity theft, and cyber events. In this session we will discuss best practices for identifying security events that must be referred to the Bank Secrecy Act Department and how we can coordinate our efforts to mitigate the risk of loss to our customers and institution.
Takeaways

Identify security incidents that may require a Suspicious Activity Report
Discuss the key pieces of information that should be included on a Suspicious Activity Report
Learn where the emerging threats are fraud trends are
Define a cyber event

BRIAN CROW

12:10 PM – 1:00 PM (Eastern)
Details Coming Soon!

Details Coming Soon!

2:00 PM – 3:30 PM (Eastern)
Security Demystified: Navigating the Top 25 Frequently Asked Questions

In this fast-paced program, we will address the most commonly asked questions by security officers. Delve into the essential responsibilities outlined in implementing regulations mandated by various regulators such as FRS, FDIC, OCC, and specific letters for Credit Unions. Gain insights into the often-overlooked aspect of your job description – “other duties as assigned” – and how it can expand your security responsibilities.
Discover solutions to practical issues like camera placement, the necessity of monitors in break rooms, and the optimal timing for alarm activation during or after a bank robbery. Uncover the truth about commonly debated topics, such as the use of dummy cameras and the limited scope of time locks. Learn how, with experience, your role may evolve to include managing building access systems, ID badges, and the crucial aspect of building a relationship with law enforcement.
This session aims to provide answers to questions you’ve likely encountered countless times. Whether you’re new to security or a seasoned officer, this program is tailored to meet your needs. For those just starting, gain invaluable insights into the intricacies of your role. Seasoned professionals will benefit from a timely review of current security practices. Don’t miss this opportunity to enhance your expertise and ensure you’re well-prepared for the challenges ahead. Join us for an engaging session that goes beyond the basics of security training!
Takeaways

Understanding Regulatory Responsibilities: Gain a comprehensive understanding of essential responsibilities outlined by various regulators such as FRS, FDIC, OCC, and specific letters for Credit Unions, ensuring compliance and effective security management.
Practical Solutions to Common Issues: Discover solutions to practical security issues, including optimal camera placement, the necessity of monitors in break rooms, and the best timing for alarm activation during or after a bank robbery.
Expanded Security Responsibilities: Learn how the often-overlooked “other duties as assigned” aspect of your job description can expand your security responsibilities to include managing building access systems, ID badges, and building relationships with law enforcement.
Debunking Security Myths: Uncover the truth about commonly debated topics such as the use of dummy cameras and the limited scope of time locks, and understand how these elements can affect your overall security strategy.

BARRY THOMPSON

3:45 PM – 5:00 PM (Eastern)
Liar, Liar, Pants on Fire! – UPDATED

‘Two Truths and a Lie’ is a fun game unless you don’t know you’re playing. You haven’t realized it, but in business, you’re playing every day…and YOU’RE LOSING.
Discover how to win the game with clients, your boss, your team, and your prospects. Protect your hard-earned profits and catch would-be fraudsters before they can take away everything you’ve worked for.
In this fast-paced session, updated since she last spoke to us, you’ll discover how to use Traci’s 9-Point Fraud Spotting System to separate the lies from the truth, so you don’t innocently step into a business, life, or reputation-destroying event.
Do you often ask yourself:

Is that job applicant being deceptive about their experience? Will their lies cost your company countless dollars and hours of training?
Are your vendors overpromising or inflating their prices to scam you?
Are you willing to do prison time for someone else’s actions?
Is your spouse truthful? Can you see the clues that an unfaithful partner leaves littered through your conversation?
Is your child really just “spending the night at Tony’s house,” or are they going to a dangerous party with no adult supervision?
And most importantly…did your kids eat those donuts you left on the counter? Or did the dog?

Takeaways

Nine telltale signs that a person is lying
How to quickly uncover the truth
How to keep nefarious people from making you a victim

TRACI BROWN

5:00 PM – 5:45 PM+ (Eastern)
Q&A to end the day!

TRACI BROWN, BRIAN CROW, BARRY THOMPSON, BRANCH WALTON

Operations Compliance Triage
2024-11-06 08:00 - 2024-11-07 17:00 (America/New_York) | Virtual
WEDNESDAY, SEPTEMBER 18, 2024
Day 2

CENTRAL TIME

SESSION

9:00 – 10:00
IRA Update
Deborah Crawford

10:00 – 10:10
BREAK

10:10- 11:00
Regulation E Hot Spots
Brian Crow

11:00 – 11:10
BREAK

11:10 – 12:00
FDIC Logo, Advertising Rules and Trust Changes
John Burnett

12:00 – 1:00
LUNCH

1:00 – 2:00
Maintaining Business Accounts-Beneficial Ownership Update
Deborah Crawford

2:00 – 2:10
BREAK

2:10 – 3:00
UDAAP Risk – Brian Crow

3:00 – 3:10
BREAK

3:10 – 4:00
Overdraft Programs-What’s Left?
John Burnett

4:00 – 5:00
Discussion–Q and A

Adjourn – Thank you for attending!
