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.

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

RELATED PROFILES

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Michele DunnEvent Planner

(804) 819-4748

mdunn@vabankers.org

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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!

BSA/AML Training for your Board
2025-01-29 14:00 - 15:30 (America/New_York) | Virtual
One of the most intimidating tasks an AML/CFT Officer may have is standing in front of the board to provide training. Board and Management oversight is key to a strong compliance culture, but how do we communicate to the board the importance of AML Compliance in our organization?
We have 15 minutes, if we’re lucky, to provide all the important details about the risks this regulation presents to our institution, and the consequences if we get it wrong. In this session we will discuss strategies for speaking the board’s language to maximize the impact of your training and share sample materials that you can use in the board packet.
Key takeaways:

Identify areas of greatest risk the Board needs to hear about
Differentiate between what can be provided in writing vs. what needs to be said
Discuss Compliance in terms of profit and loss
Learn the art of the anecdote
Relate to the Board’s perspective

Reminder: The registration fee includes live attendance AND a playback recording of the session, available once the session concludes.

BSA/AML Training for Your Lenders
2025-02-26 14:00 - 16:00 (America/New_York) | Virtual

BSA/AML 2-Day School
2025-03-12 08:00 - 2025-03-13 17:00 (America/New_York) | Drury Plaza Hotel Richmond, 11049 West Broad Street, Glen Allen, VA, 23060, United States
Seminar Information & Session Topics*

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.​

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.
Corporate Transparency Act Update
Three weeks prior to the mandatory compliance date for reporting entities to submit their beneficial ownership information to FinCEN, the US District Court of Eastern Texas issued declared the law unconstitutional and issued an injunction blocking the enforcement of the law. Meanwhile financial institutions have been waiting for revised customer due diligence rules. We’ll discuss the implications of this ruling and the status of FinCEN’s appeal while determining what this means for our AML Program.
Quantifying AML/CFT Priorities Risk
FinCEN’s proposed rulemaking for incorporating AML/CFT Priorities into the AML Risk Assessment leaves many bankers questioning how to comply with the requirements. Obtaining quantitative data for the number of customers or volume of transactions is relatively straightforward, but quantifying a type of financial crime is not so easy. In this session we will consider FinCEN advisories and guidance that relates to the AML/CFT Priorities and how we can leverage data that we already collect to better quantify risk to satisfy the new FinCEN requirements.
AML Risk Assessment methodology
Once we quantify the AML/CFT Priorities, we’re still faced with the task of integrating new risk factors into our existing risk assessment methodology. We will consider various methods for how this might look, and how the math works for incorporating new risk factors including the AML/CFT Priorities, distribution channels, and intermediaries. In addition, we will consider internal controls that mitigate the risks associated with the priorities.
Suspicious Activity Referrals
One of the challenges many AML Professionals face is the difficulty in obtaining suspicious activity referrals from business lines. Monitoring reports and software are great method for identifying suspicious activity, but no one knows your customers better than the front-line staff who works with them on a regular basis. Since the AML Officer can’t be everywhere, quality referrals are a critical component to a strong AML Program and organizational compliance culture. In this session we will discuss strategies for encouraging referrals and how to communicate with staff in a constructive way to solicit and encourage referrals.
Third Party Risk Management for AML Risk Management
The regulators issued joint interagency guidance for Third Party Risk Management. While it may seem that this primarily focuses on vendor management, recent consent orders and enforcement actions have shown that AML Exams are focusing on third parties that partner with the bank to provide products and services. The AML Officer should be involved in the third party risk management process to ensure that we consider the AML risks associated with the products, services, and customers involved in Banking as a Service products regardless of whether we provide a settlement account to the BaaS or their customers are also bank customers and there will be examiner scrutiny on how the AML risks are managed.
Elder Financial Abuse
Elder Financial Abuse continues to be on the rise. It can be challenging to protect our most vulnerable customers from fraud or exploitation. Concerns about the customer’s privacy and the limits of what we can and can’t say to family members or law enforcement can be challenging. FinCEN has published a number of advisories on this topic to help us with identifying red flags, and the steps we can take to satisfy our AML requirements and also help our customers.
Breaking down the TD Bank Penalty
$3 billion is a large enough number to get anybody’s attention. There were significant breakdowns in the compliance culture of this organization that resulted in millions of dollars in drug money being laundered through the institution. What are the lessons we can learn from these failures? How do we keep this from happening at our own institutions? We will review the civil and criminal complaints involved in the TD Bank case and evaluate the internal control issues and culture issues that plagued the organization.
OFAC Sanctions Program: The Hidden Risks
Most financial institutions have written OFAC Programs and feel confident that they are adequately protected from non-compliance penalties. However, we’ve seen several private companies, and some financial institutions receive OFAC penalties in the last year. Many of these entities had processes for scanning transactions. So what went wrong? We’ll evaluate these penalties and what key risks were overlooked in their Program and how gaps in monitoring led to OFAC violations
Breakout Session: Suspicious Activity Monitoring
One of the benefits of an in-person conference is the opportunity to network. In this interactive session, we will divide into groups based on the monitoring software we use (or manual reports for those institutions who do not have manual software) so that we can discuss software and model risk management processes and learn about the various challenges each software presents. As someone who has validated the majority of the software available, the facilitator will visit each group to provide feedback and help spur the conversation.
To the Moon with BitCoin
The price of virtual currency skyrocketed following the presidential election results and providers and traders anticipate relaxation of regulations of the virtual currency industry proposed by FinCEN and the Securities and Exchange Commission. However, this also makes virtual currency more attractive for money laundering and terrorist financing. This session will provide an update on the status of regulations and the potential impact this could have on our responsibilities and how it could influence customer behavior.
AI: The Good, the Bad, and the Ugly
AI is here to stay. The question is how will it be used as improvements to its capabilities continue. It can assist an AML Professional in increasing efficiency as a strong tool can assist in monitoring and research, but AI could also be a source of suspicious activity if nefarious actors attempt to use it to circumvent security processes. In this session we will consider the uses of AI, policies and procedures to consider whether or not we choose to use AI, and the latest in technological advances.
The Integration between BSA and Fraud For some institutions, BSA and Fraud may work hand in hand, and even be managed by the same person, but in more complex institution these could be separate departments. Even in small banks, it’s possible that fraud could occur separate from the BSA function. Like any financial crime, identifying fraud, whether the institution or its customer is the target, requires a SAR filing if thresholds are met. Based on fraud trends FinCEN identifies in its recent advisories, we’ll consider some of the common red flags that could be indicative of reportable fraud, and the best way to make sure the AML Officer isn’t the last person to know that fraud occurred.

*Note: Topics are subject to change based on new guidance or regulation that is published.

BSA Training for Your Staff
2025-03-19 14:00 - 16:00 (America/New_York) | Virtual

Advanced BSA Academy
2025-04-07 08:00 - 2025-04-11 17:00 (America/New_York)
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.
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.

Past, Present and Future of Bank Secrecy Act and Anti-Money Laundering / Countering Financing of Terrorism (“BSA and AML/CFT”)
2025-04-17 08:00 - 12:00 (America/New_York) | Maggiano’s Little Italy, 240 Oak Brook Center, Oak Brook, IL, 60523, United States
Members: $65
Non-members: $95
A hot breakfast is included. Please indicate any dietary restrictions on your Registration.
Join CCA and your banking colleagues as we get insights on where we’ve been, where we’re at and where we’re going with regard to BSA/AML/CFT. This is a great opportunity to network with your peers.
The session has been approved for 3 CRCM, 3 CAFP and 2 CERP credits.
Please send any questions you have for our speakers, in advance to: Speaker Questions.

Location: Maggiano’s Little Italy

Speakers & Topics:
Brian Crow, Managing Partner and Co-President, TCA Compliance
Helen Touchton, Independent BSA/AML Consultant, Touchton Compliance Consulting LLC
Past: Fines here, fines there, fines everywhere!
This session will review recent enforcement actions, key lessons learned, underlying root causes, and emerging patterns—along with strategies to avoid common pitfalls.

Tamara Kolb, Principal, Crowe LLP
Ralph Wright, Principal, Crowe LLP
Present: Current Environment
This session will cover pending rulemaking, AML/CFT priorities, cryptocurrency, banking as a service, Fraud, FinCEN priorities and AI.

Robin Guthridge, Director, Wipfli LLP
Future: What is on the horizon for AML compliance?
As AI evolves, model validation and fraud monitoring will shift—while fraudsters also exploit AI to defeat CIP verification. A new administration may bring new priorities, as seen in the focus on providing banking services to the crypto industry. This session will cover what you should be considering for your AML Program as expectations and technologies evolve.

Registration and Breakfast begins at 8:00 am
Session runs from 9:00 am to 12:00 pm

Last day of registration is 5:00pm CT on April 14, 2025
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 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 5:00pm on April 14, 2025 will not receive a refund.
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.
In order to receive Member Pricing for this event, your institution must have paid your Membership Dues for 2025. If you are unsure if your institution is a CCA member, please check the Membership Listing on our website.
Click here to register for this event.

TRID Disclosures for Construction Lending
2025-07-08 09:00 - 12:00 (America/New_York) | Virtual
TRID Disclosures for Construction Lending
Presented by Monique Reyna, TCA Compliance
Live Streamed ~ July 8, 2025, 9:00 a.m. to Noon CT

With the advent of TRID, little guidance was given on exactly how Construction Loans were to be disclosed. Subsequent FAQs and regulator feedback have been received over the years providing clarifications to these complex disclosures. This program covers the Loan Estimate and Closing Disclosure requirements for both Construction Only and Construction/Permanent Loans and provides a detailed overview of the requirements for accurately completing Loan Estimates and Closing Disclosures when disclosing various types of construction and construction/permanent loan products.

Options available when Disclosing Construction/Permanent Loans
Utilization of the Standard or Alternative LE/CD
Details regarding Disclosure requirements for Loan Term, Purpose, Product Type, Sales Price/Appraised Value
Completion of Loan Terms Table
Completion of the AP Table and AIR Table
Proper disclosure of Adjustable Rate Construction/Permanent Loans
Review and Validation of the Disclosure Data
Common Compliance Pitfalls on Construction Loan Disclosures

HMDA Bootcamp
2025-07-21 09:00 - 12:00 (America/New_York) | Virtual
HMDA Bootcamp
Presented by Michelle Strickland and Monique Reyna, TCA Compliance
Live Streamed ~ July 21, 2025, 9:00 a.m. to Noon CT

A commercial loan secured by an eight-unit residential apartment building is being originated for the purpose of reimbursing the borrower for the purchase and renovation of the apartment building. Is this loan HMDA reportable?

Join the HMDA Boot Camp for the answer to this question, and many other HMDA questions. Whether you are reporting all HMDA fields or limited fields under the exemption, there is a lot that goes into preparing the HMDA LAR. We will review:

Determining whether a loan is HMDA reportable
Requirements and Definitions for each Data Field
Development of sound HMDA Procedures
Timing and Filing Requirements
Refiling when required.

The HMDA Boot Camp is an in-depth program reviewing all requirements of Regulation C. If you are new to HMDA or are an experienced HMDA reporter, this program will be beneficial. The program allows time to address any HMDA questions from participants.

Regulatory Compliance Series
2025-09-15 08:30 - 2025-09-19 16:30 (America/New_York) | Center for Banking Excellence, 3201 West White Oaks Dr., Suite 400, Springfield, IL, 62704, United States
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/Share Program Flyer
Audience
Compliance Officers and Managers, Consumer Lenders, Residential Real Estate Lenders, Personal and Retail Bankers, Operations Officers, Legal Counsel, Auditors, and Cashiers
Credit Compliance, Part 1 – September 15
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 the expanded data field.
Learning Objectives After this program, participants should be able to:
• Differentiate between an application and an inquiry for disclosure purposes, describe the eight stages of an application and identify the latest fair lending issues
• Understand key regulatory provisions of lending rules such as furnishing adverse action notices and FACTA disclosure requirements
• Calculate flood insurance coverage for residential, commercial, and condos using replacement cost value rules
• Complete a HMDA report and understand the coding rules to determine what transactions are HMDA reportable
Credit Compliance Part 2 – September 16
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
Learning Objectives After this program, participants should be able to:
• Describe the Ability-to-Repay and QM rules
• Understand the QM exemption rules
• Identify finance and prepaid charges, calculations, APR tolerances, and payment streams on Truth in Lending disclosures
• Recognize when kickback provisions expose the bank to penalties, calculate the initial escrow statement, and perform an ongoing annual accounting adjustment when there is a funding surplus, shortage, or deficit
Credit Compliance, Part 3 – September 17
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
Learning Objectives After this program, participants should be able to:
• Understand the PMI requirements.
• Review new loan estimates and closing disclosures.
• Describe the three tolerance thresholds and applicable fees for each.
• Understand the coverage, scope, and requirements for compliance with the Military Lending Act provisions.
Deposit Compliance – September 18
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
Learning Objectives After this program, participants should be able to:
• Identify the information that must be disclosed to deposit account customers.
• Recognize compliance solutions that can enhance sales and operations processes.
• Identify and correct deficiencies that might exist in deposit account disclosures; and
• Understand Truth in Savings (Reg DD) rules.
• Understand the latest enforcement trends for TISA/Reg DD including UDAAP.
• Demonstrate knowledge of the details and bank-wide impact of selected rules.
BSA/AML Compliance and Regulatory Panel – September 19
BSA, AML and USA Patriot Act
• Program components/pillars
• Technical requirements
• CTR requirements and exemptions
• CIP and the beneficial ownership final rule
• Customer due diligence and enhanced due diligence – the 5th Pillar
• Suspicious activity monitoring
• OFAC
• 314(a) searches and 314(b) registration and advantages
• Core and expanded examination procedures
• BSA hot topics (medical marijuana, hemp, Bitcoin, beneficial ownership)
• Recent exam findings and applying lessons learned from enforcement actions
Learning Objectives After this program, participants should be able to:
• Establish a comprehensive BSA/AML program
• Demonstrate knowledge of the details and bank-wide impact of selected rules
TCA Compliance Facilitators
Brian Crow, CAMS, Managing Partner and Co-President
Michelle Strickland, CRCM, Managing Partner and Co-President
Monique Reyna, CRCM, Compliance Consultant
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 – 8 CAFP credits). This statement is not an endorsement of this program or its sponsor.
The IBA is recognized as a continuing professional education sponsor for public accountants 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).
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

Connect & Protect Experience
2026-03-25 08:00 - 2026-03-27 17:00 (America/New_York) | Hotel Roanoke, 110 Shenandoah Ave NE, Roanoke, VA, 24016, United States
An Event for Marketing, Human Resources, Retail Banking, Training, Security, Enterprise Risk Management, Operations and Technology, and Compliance Professionals

March 25, 2026 – March 27, 2026

The Connect|Protect Experience is an event for marketing, HR, retail banking, training, security, ERM, operations and technology and compliance professionals that will uncover new ideas, trends and developments in banking.

Regulatory Whiplash – Bank Compliance in the Trump Era (Compliance)
Michelle Strickland | TCA
The past year has been a whirlwind for financial institutions and in turn, compliance professionals. Prior administrations rules repealed, enforcement actions dropped, guidance repealed and the CFPB’s existence on the chopping block. The message sent may be heard as “compliance is no longer important” or unnecessary. This messaging may make it difficult for compliance officers to continue the efforts of managing an effective Compliance Management System. This session will provide attendees with perspective and guidance on how to keep their CMS on track and focus on risks relevant to your institution.

BSA/AML 2-Day School
2026-04-08 08:00 - 2026-04-09 17:00 (America/New_York) | Drury Plaza Hotel Richmond, 11049 West Broad Street, Glen Allen, VA, 23060, United States
SA/AML 2-Day SchoolVirginia Bankers Association
Glen Allen, VA

April 8, 2026 – April 9, 2026

The 2026 BSA/AML 2‑Day School provides comprehensive training to meet annual BSA requirements while equipping professionals with practical, real‑world compliance skills. The program explores evolving risks, foundational BSA/AML requirements, examiner hot buttons, and regulatory updates. Attendees will learn how to detect emerging fraud, manage higher‑risk relationships, and strengthen their institutions’ BSA/AML programs in today’s changing regulatory environment.
Seminar Information & Session Topics*

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.​
Specific topics for 2026 will be posted soon!
*Note: Topics are subject to change based on new guidance or regulation that is published.

2026 BSA Academy
2026-04-27 08:00 - 2026-04-30 17:00 (America/New_York) | The Lodge at Gulf State Park, 21196 East Beach Blvd, Gulf Shores, AL, 36542, United States
This week long school provides an up-to-date overview covering a wide range of top industry concerns to ensure your knowledge and understanding of BSA/AML Requirements. In the age of deregulation, BSA/AML is here to stay, with its ever-increasing compliance expectations. Our faculty is highly experienced and knowledgeable. You won’t want to miss this opportunity to dive in deep and bring back helpful knowledge and resources for your bank. We will also have fun!

WHO SHOULD ATTEND?
The school is designed for BSA professionals with a working knowledge of all aspects of the BSA compliance management including BSA, AML, compliance, risk management, auditors, and fraud. Individuals with accountability for BSA compliance will also benefit from this program, such as: retail management, risk management, operations, and employee development.

Compliance School (Hosted by: Maryland, North Carolina, and Virginia Bankers Associations)
2026-05-18 08:00 - 2026-05-21 17:00 (America/New_York) | Virginia Bankers Association, 4490 Cox Road, Glen Allen, VA, 23060, United States
Compliance School consists of two tracks, Lending and Deposits, and is designed for entry-mid level compliance personnel.
In 2026, the MBA, NCBA and VBA will join together to host the school with a three- day Lending Track and a one-day Deposits Track.

Regulatory Compliance Series
2026-08-24 08:30 - 2026-08-28 16:30 (America/New_York) | Virtual
Hybrid Event

Monday, August 24, 2026 – Friday, August 28, 2026 iCalendarCentral Standard Time

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.
Audience
Compliance Officers and Managers, Consumer Lenders, Residential Real Estate Lenders, Personal and Retail Bankers, Operations Officers, Legal Counsel, Auditors, and Cashiers
Credit Compliance, Part 1 – August 24
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 the expanded data field.
Learning Objectives After this program, participants should be able to:
• Differentiate between an application and an inquiry for disclosure purposes, describe the eight stages of an application and identify the latest fair lending issues
• Understand key regulatory provisions of lending rules such as furnishing adverse action notices and FACTA disclosure requirements
• Calculate flood insurance coverage for residential, commercial, and condos using replacement cost value rules
• Complete a HMDA report and understand the coding rules to determine what transactions are HMDA reportable
Credit Compliance Part 2 – August 25
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
Learning Objectives After this program, participants should be able to:
• Describe the Ability-to-Repay and QM rules
• Understand the QM exemption rules
• Identify finance and prepaid charges, calculations, APR tolerances, and payment streams on Truth in Lending disclosures
• Recognize when kickback provisions expose the bank to penalties, calculate the initial escrow statement, and perform an ongoing annual accounting adjustment when there is a funding surplus, shortage, or deficit
Credit Compliance, Part 3 – August 26
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
Learning Objectives After this program, participants should be able to:
• Understand the PMI requirements.
• Review new loan estimates and closing disclosures.
• Describe the three tolerance thresholds and applicable fees for each.
• Understand the coverage, scope, and requirements for compliance with the Military Lending Act provisions.
Deposit Compliance – August 27
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
Learning Objectives After this program, participants should be able to:
• Identify the information that must be disclosed to deposit account customers.
• Recognize compliance solutions that can enhance sales and operations processes.
• Identify and correct deficiencies that might exist in deposit account disclosures; and
• Understand Truth in Savings (Reg DD) rules.
• Understand the latest enforcement trends for TISA/Reg DD, including UDAAP.
• Demonstrate knowledge of the details and bank-wide impact of selected rules.
BSA/AML Compliance and Regulatory Panel – August 28
BSA, AML, and USA Patriot Act
• Program components/pillars
• Technical requirements
• CTR requirements and exemptions
• CIP and the beneficial ownership final rule
• Customer due diligence and enhanced due diligence – the 5th Pillar
• Suspicious activity monitoring
• OFAC
• 314(a) searches and 314(b) registration and advantages
• Core and expanded examination procedures
• BSA hot topics (medical marijuana, hemp, Bitcoin, beneficial ownership)
• Recent exam findings and applying lessons learned from enforcement actions
Learning Objectives After this program, participants should be able to:
• Establish a comprehensive BSA/AML program
• Demonstrate knowledge of the details and bank-wide impact of selected rules
TCA Compliance Facilitators
Brian Crow, CAMS, Managing Partner and Co-President
Michelle Strickland, CRCM, Managing Partner and Co-President
Monique Reyna, CRCM, Compliance Consultant
Continuing Education
ABA Professional Certifications is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This series is under review.
The IBA is recognized as a continuing professional education sponsor for public accountants 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).
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
