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DTSTART;TZID=America/Chicago:20220920T100000
DTEND;TZID=America/Chicago:20220921T180000
DTSTAMP:20260405T151640
CREATED:20220822T160320Z
LAST-MODIFIED:20220919T171528Z
UID:1630-1663668000-1663783200@www.tcaregs.com
SUMMARY:BOL Operations Compliance Triage
DESCRIPTION:Conference – TUESDAY – WEDNESDAY \, September 20 – 21\, 2022 \n\n\n\n\n\n\n\n\n\n\n\n\nTUESDAY\, SEPTEMBER 20\, 2022\nDay 1\n\n\n\nCENTRAL TIME\n\nSESSION\n\n\n\n9:00 – 10:00\nWelcome and Discussion of our Changing Landscape\n\n\n10:00 – 10:10\nBREAK\n\n\n10:10 – 11:00\nKeeping current on overdrafts and fees\n\n\n11:00 – 11:10\nBREAK\n\n\n11:10 – 12:00\nFair Banking with a UDA(A)P Hammer\n\n\n12:00 – 1:00\nLUNCH\n\n\n1:00 – 2:00\nBSA Update\n\n\n2:00 – 2:10\nBREAK\n\n\n2:10 – 3:00\nReg E\, EFT\, P2P – Problems and Solutions\n\n\n3:00 – 3:10\nBREAK\n\n\n3:10 – 4:30\nPanel Discussion–Q and A\n\n\n\nAdjourn – See you tomorrow!\n\n\n\n\n\n\n\n\n\nWEDNESDAY\, SEPTEMBER 21\, 2022\nDay 2\n\n\n\nCENTRAL TIME\n\nSESSION\n\n\n\n9:00 – 9:30\nNonresident Alien Interest Reporting – Disaster Management\n\n\n9:30- 10:00\nIndividual Retirement Account Issues and Changes\n\n\n10:00 – 10:10\nBREAK\n\n\n10:10- 11:00\nRegulation CC Holds\n\n\n11:00 – 11:10\nBREAK\n\n\n11:10 – 12:00\nChecks-Returns\, Liabilities and Fraud\n\n\n12:00 – 1:00\nLUNCH\n\n\n1:00 – 2:00\nAvoiding Common Violations\n\n\n2:00 – 2:10\nBREAK\n\n\n2:10 – 3:00\nACH odds and ends\n\n\n3:00 – 3:10\nBREAK\n\n\n3:10 – 3:45\nLegal Paperwork\, Court Ordered Accounts\, Power of Attorneys\n\n\n\n3:45 – 4:30\nDiscussion–Q and A\n\n\n\nAdjourn – Thank you for attending!\n\n\n\n\n\n\n\nWelcome 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. \nKeeping 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? \nNonresident 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. \nIndividual 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. \nRegulation 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 \nPanel Discussion–Q and A – Q and A session. The instructors take the questions submitted that day for discussion. \nFair 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. \nBSA 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. \nReg 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. \nChecks 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. \nAvoiding 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. \nACH 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? \nLegal 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. \nDiscussion Panel – Q & A – Fascinating discussion of Hot Topics by industry experts. Your questions and the industry expert responses. \n  \n\n \nIn 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 . \nWe’ll be monitoring operational compliance developments to bring you the up-to-the-minute information and guidance that you need.
URL:https://www.tcaregs.com/event/bol-operations-compliance-triage/
LOCATION:Virtual
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/bol-operations-complaince-triage.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20220919T080000
DTEND;TZID=America/Chicago:20220923T170000
DTSTAMP:20260405T151640
CREATED:20220308T133614Z
LAST-MODIFIED:20220919T171558Z
UID:1536-1663574400-1663952400@www.tcaregs.com
SUMMARY:2022 Regulatory Compliance Series
DESCRIPTION:Participation Options \n\nIBA Center for Banking Excellence\, Springfield\nLive Streamed Via Zoom\n\nSessions \n\nProgram 1 – September 19 – Credit Compliance\, Part 1\nProgram 2 – September 20 – Credit Compliance\, Part 2\nProgram 3 – September 21 – Credit Compliance\, Part 3\nProgram 4 – September 22 – Deposit Compliance\nProgram 5 – September 23 – BSA/AML Compliance & Regulators’ Forum\n\nFacilitators: Programs 1\, 2\, and 3 \n\nMichelle 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.\nMonique 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.\n\nFacilitator: Programs 4 and 5 \n\nBrian 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.\n\nAttendee Profile\nCompliance Officers and Managers\, Consumer Lenders\, Residential Real Estate Lenders\, Personal and Retail Bankers\, Operations Officers\, Legal Counsel\, Auditors\, and Cashiers \nPer Person Fee\nIBA Member\nAll five programs: $1\,225\nIndividual program: $265 \nNonmember\nAll five programs: $2\,045\nIndividual program: $445 \nHybrid Event\nllinois
URL:https://www.tcaregs.com/event/2022-regulatory-compliance-series/
LOCATION:Center for Banking Excellence\, 3201 West White Oaks Dr.\, Suite 400\, Springfield\, IL\, 62704\, United States
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/illinois-bankers-compliance-school.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20220909T083000
DTEND;TZID=America/Chicago:20220909T160000
DTSTAMP:20260405T151640
CREATED:20220822T154556Z
LAST-MODIFIED:20220919T171742Z
UID:1626-1662712200-1662739200@www.tcaregs.com
SUMMARY:All-Day BSA
DESCRIPTION:Speakers & Topics :\n\nBSA/AML Reform – What has Changed and What’s on the Horizon?\n\nRobin Guthridge\, Director\, Wipfli LLP\n\n\n\n\n\nLaw Enforcement Update\, SARs and Fraud\n\nJennifer French\, Senior Financial Investigator\, Madison Associates\, Inc.\n\n\n\n\n\nBSA/AML Risk Assessment\n\nBrian Arrington\, BSA/AML Examiner\, Federal Reserve Bank of Richmond\nJohn McVoy\, Director of Financial Crimes Risk Management\, Heartland Financial\n\n\n\n\n\nRapid Fire Q&A send questions in advance to Speaker Questions\n\nBrian Crow\, Managing Partner & Co-President\, TCA\nRobin Guthridge\, Director\, Wipfli LLP\nHelen Touchton\, Independent Compliance Consultant\n\n\n\n\n\nCyber Events\n\nBrian Crow\, Managing Partner & Co-President\, TCA\n\n\n\n\n\nSanctions Environment with Russia\n\nTara Dziengel\, SVP Global Head of Anti-Money Laundering\, Northern Trust\nJamie Gathing\, VP Compliance Manager\, Northern Trust\n\n\n\n\n\nEnforcement Action Update\n\nJohn Geiringer\, Partner\, Barack Ferrazzano Financial Institutions Group\n\n\n\n\nRegistration and Breakfast begins at 7:45 am\nSession runs from 8:45 am to 4:00 pm \n\nLast day of registration is end of business on September 6\, 2022 \nAs 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. \nSpeakers and Topics may be subject to change. \nThis session has been approved for 6.5 CRCM credits\, ACAMS credits are pending. \nThis 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. \nReservation cancellations received by the CCA after the registration deadline of September 6\, 2022 will not receive a refund.  \nBy 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. \nIf 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. \nIf 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.  \nClick here to register for the event. 
URL:https://www.tcaregs.com/event/all-day-bsa/
LOCATION:Drury Lane Theatre\, 100 Drury Ln\, Oakbrook Terrace\, IL\, 60181\, United States
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/chicagoland-compliance-association.jpg
ORGANIZER;CN="Chicagoland Compliance Association":MAILTO:ccai@chicagolandcompliance.org <ccai@chicagolandcompliance.org
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20220601T080000
DTEND;TZID=America/Chicago:20220601T170000
DTSTAMP:20260405T151640
CREATED:20220331T130728Z
LAST-MODIFIED:20220919T171801Z
UID:1546-1654070400-1654102800@www.tcaregs.com
SUMMARY:Compliance School (Virtual) – Co-Sponsored by Virginia Bankers Association & North Carolina Bankers Association
DESCRIPTION:Compliance School consists of two tracks\, Lending and Deposits\, and is designed for entry-mid level compliance personnel. \nIn 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. \nDeposits Track\nConsumer 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. \nReg D: NOW Eligibility and Reserve Requirements \n\nRepeal of the withdrawal restrictions on savings and money market accounts\nRegulatory minimum and your bank’s early withdrawal penalty\nWhat are the reserve requirement rules? How do they impact compliance?\nInterest-bearing DDA vs. NOW accounts – they’re not quite the same.\nInterest premium rules – Do they still matter?\n\nReg E: Electronic Funds Transfer Act \n\nDisclosures and notices\nResolving error claims\nElectronic check conversion\nCustomer education\nRemote deposit capture\nMobile banking\nForeign remittance rules\nPayroll card and gift card rules\nExamination trends and frequent findings\nOverdraft Opt-ins\n\nReg CC: Expedited Funds Availability Act \n\nDisclosures and notices\nImplications of item posting order.\nCommon hold notice errors\nCheck 21\nRemotely Created Checks\n\nReg P: Privacy and Information Sharing “Opt Outs” \n\nReg P rules\nModel form (01/01/11)\nConnection with FCRA sharing\nDo not market/Do not solicit policies.\nNew CFPB annual disclosure rules\n\nReg S: Right to Financial Privacy \n\nGovernment information requests\nReimbursement\n\nFair Credit Reporting Act/ID Theft “Red Flags” \n\nAddress discrepancies\nCredit report alerts\nOther “red flags”\nAffiliate marketing\nAnnual report\n\nReg DD: Truth in Savings Accounts (TISA) \n\nDisclosures and notices\nUnfair\, Deceptive\, or Abusive Acts or Practices (UDAAP)\nThe higher-risk parts of the rules (e.g.\, inconsistent terminology\, products/terms changes)\nAdvertising compliance\nCommon disclosure errors\nCourtesy Overdraft Programs
URL:https://www.tcaregs.com/event/compliance-school-06012022/
LOCATION:IL
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/virginia-bankers-compliance-school.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20220526T080000
DTEND;TZID=America/Chicago:20220526T170000
DTSTAMP:20260405T151640
CREATED:20220331T130619Z
LAST-MODIFIED:20220919T171821Z
UID:1545-1653552000-1653584400@www.tcaregs.com
SUMMARY:Compliance School (Virtual) – Co-Sponsored by Virginia Bankers Association & North Carolina Bankers Association
DESCRIPTION:Compliance School consists of two tracks\, Lending and Deposits\, and is designed for entry-mid level compliance personnel. \nIn 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. \nLending Track\nConsumer 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. \nThis 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. \nReg B: Equal Credit Opportunity Act \n\nEqual treatment and fair lending considerations\nApplication stages: inquiries\, incompletes\, withdrawals\, denials\, and approvals\nCollection of government monitoring information\nAdverse action rules and business loan denial options\nNew requirements for providing copies of appraisals and evaluations.\n\nFair Credit Reporting Act \n\nPermissible purpose\nRequirements of users of consumer reports• Duties of furnishers of information to a CRA\nRequirements relating to identity theft.\n\nUnfair\, Deceptive\, or Abusive Acts or Practices (UDAAP) \n\nThe FTC Act/Dodd-Frank Act\nStandards for determining what is unfair\, deceptive or abusive.\nDeceptive acts and practices\nAbusive acts or practices\nManaging risks\n\nFlood Disaster Protection Act \n\nFlood insurance eligibility and determination\nPrivate Policy requirements and challenges\nRequired notification and acknowledgment.\nInsurance and escrow requirements\nForce placed insurance\, penalties and liabilities.\nWhat examiners look for in a flood exam.\n\nReg C: Home Mortgage Disclosure Act (HMDA) \n\nRequirements\, responsibility and reporting\nLoan application register\nSetting HMDA audit sampling sizes\nDiscuss common violations.\nDiscuss expanded data field.\n\nReg Z: Truth in Lending Act \n\nCoverage and exemptions\nFinance charges\, annual percentage rate and amount financed\nAdjustable-rate mortgage (ARM) disclosures\nMortgage transfer disclosure\nRight of rescission\nHigher-priced mortgage loans\nHomeownership counseling\nAbility-to-Repay / Qualified Mortgage rules\n\nReg X: Real Estate Settlement Procedures Act (RESPA) \n\nHomeownership counseling\nGeneral disclosure requirements\nRestriction of fees\nEscrow accounts\nMortgage servicing and error resolution procedures\nEarly intervention requirements\, continuity of contact\, and loss mitigation procedures\n\nHomeowners Protection Act (PMI) \n\nCoverage\nCancellation and termination\nDisclosure requirements\nCivil liabilities\n\nReg Z: TILA-RESPA Integrated Disclosures \n\nLoan estimate\nClosing disclosure\nTolerances\n\nMilitary Lending Act \n\nCoverage\nLending limitations / Prohibited practices\nMAPR calculation\nDisclosure requirements
URL:https://www.tcaregs.com/event/compliance-school-05262022/
LOCATION:IL
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/virginia-bankers-compliance-school.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20220523T080000
DTEND;TZID=America/Chicago:20220523T170000
DTSTAMP:20260405T151640
CREATED:20220331T130535Z
LAST-MODIFIED:20220919T171930Z
UID:1544-1653292800-1653325200@www.tcaregs.com
SUMMARY:Compliance School (Virtual) – Co-Sponsored by Virginia Bankers Association & North Carolina Bankers Association
DESCRIPTION:Compliance School consists of two tracks\, Lending and Deposits\, and is designed for entry-mid level compliance personnel. \nIn 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. \nLending Track\nConsumer 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. \nThis 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. \nReg B: Equal Credit Opportunity Act \n\nEqual treatment and fair lending considerations\nApplication stages: inquiries\, incompletes\, withdrawals\, denials\, and approvals\nCollection of government monitoring information\nAdverse action rules and business loan denial options\nNew requirements for providing copies of appraisals and evaluations.\n\nFair Credit Reporting Act \n\nPermissible purpose\nRequirements of users of consumer reports• Duties of furnishers of information to a CRA\nRequirements relating to identity theft.\n\nUnfair\, Deceptive\, or Abusive Acts or Practices (UDAAP) \n\nThe FTC Act/Dodd-Frank Act\nStandards for determining what is unfair\, deceptive or abusive.\nDeceptive acts and practices\nAbusive acts or practices\nManaging risks\n\nFlood Disaster Protection Act \n\nFlood insurance eligibility and determination\nPrivate Policy requirements and challenges\nRequired notification and acknowledgment.\nInsurance and escrow requirements\nForce placed insurance\, penalties and liabilities.\nWhat examiners look for in a flood exam.\n\nReg C: Home Mortgage Disclosure Act (HMDA) \n\nRequirements\, responsibility and reporting\nLoan application register\nSetting HMDA audit sampling sizes\nDiscuss common violations.\nDiscuss expanded data field.\n\nReg Z: Truth in Lending Act \n\nCoverage and exemptions\nFinance charges\, annual percentage rate and amount financed\nAdjustable-rate mortgage (ARM) disclosures\nMortgage transfer disclosure\nRight of rescission\nHigher-priced mortgage loans\nHomeownership counseling\nAbility-to-Repay / Qualified Mortgage rules\n\nReg X: Real Estate Settlement Procedures Act (RESPA) \n\nHomeownership counseling\nGeneral disclosure requirements\nRestriction of fees\nEscrow accounts\nMortgage servicing and error resolution procedures\nEarly intervention requirements\, continuity of contact\, and loss mitigation procedures\n\nHomeowners Protection Act (PMI) \n\nCoverage\nCancellation and termination\nDisclosure requirements\nCivil liabilities\n\nReg Z: TILA-RESPA Integrated Disclosures \n\nLoan estimate\nClosing disclosure\nTolerances\n\nMilitary Lending Act \n\nCoverage\nLending limitations / Prohibited practices\nMAPR calculation\nDisclosure requirements
URL:https://www.tcaregs.com/event/compliance-school-05232022/
LOCATION:IL
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/virginia-bankers-compliance-school.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20220517T080000
DTEND;TZID=America/Chicago:20220518T170000
DTSTAMP:20260405T151640
CREATED:20220308T132526Z
LAST-MODIFIED:20220919T171838Z
UID:1534-1652774400-1652893200@www.tcaregs.com
SUMMARY:2022 Advanced BSA/AML Academy
DESCRIPTION:Hybrid Delivery Options (select your preference when registering)\nMay 17-18 – IBA Center for Banking Excellence\, Springfield OR Live-Streamed via Zoom 9:00 a.m. – 4:00 p.m. \nBSA/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. \nRecap 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. \n2022 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. \nFinCEN 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. \nPreparing 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. \nWhat 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. \nRevisiting 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. \nHigh-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. \nCannabis 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. \nEmerging 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. \nBanking 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? \nEducating 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.” \nHuman 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. \nOFAC 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. \nWhat’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. \nFacilitator\nAs 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. \nABA Professional Certifications\nApproved for 14.5 CAFP\, CRCM credits \nFee Per Person\nMembers $505\nNonmembers $875 \nHybrid Event\nllinois
URL:https://www.tcaregs.com/event/2022-advanced-bsa-aml-academy/
LOCATION:Center for Banking Excellence\, 3201 West White Oaks Dr.\, Suite 400\, Springfield\, IL\, 62704\, United States
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END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20220516T080000
DTEND;TZID=America/Chicago:20220516T170000
DTSTAMP:20260405T151640
CREATED:20220331T130338Z
LAST-MODIFIED:20220919T171943Z
UID:1543-1652688000-1652720400@www.tcaregs.com
SUMMARY:Compliance School (Virtual) – Co-Sponsored by Virginia Bankers Association & North Carolina Bankers Association
DESCRIPTION:Compliance School consists of two tracks\, Lending and Deposits\, and is designed for entry-mid level compliance personnel. \nIn 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. \nLending Track\nConsumer 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. \nThis 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. \nReg B: Equal Credit Opportunity Act \n\nEqual treatment and fair lending considerations\nApplication stages: inquiries\, incompletes\, withdrawals\, denials\, and approvals\nCollection of government monitoring information\nAdverse action rules and business loan denial options\nNew requirements for providing copies of appraisals and evaluations.\n\nFair Credit Reporting Act \n\nPermissible purpose\nRequirements of users of consumer reports• Duties of furnishers of information to a CRA\nRequirements relating to identity theft.\n\nUnfair\, Deceptive\, or Abusive Acts or Practices (UDAAP) \n\nThe FTC Act/Dodd-Frank Act\nStandards for determining what is unfair\, deceptive or abusive.\nDeceptive acts and practices\nAbusive acts or practices\nManaging risks\n\nFlood Disaster Protection Act \n\nFlood insurance eligibility and determination\nPrivate Policy requirements and challenges\nRequired notification and acknowledgment.\nInsurance and escrow requirements\nForce placed insurance\, penalties and liabilities.\nWhat examiners look for in a flood exam.\n\nReg C: Home Mortgage Disclosure Act (HMDA) \n\nRequirements\, responsibility and reporting\nLoan application register\nSetting HMDA audit sampling sizes\nDiscuss common violations.\nDiscuss expanded data field.\n\nReg Z: Truth in Lending Act \n\nCoverage and exemptions\nFinance charges\, annual percentage rate and amount financed\nAdjustable-rate mortgage (ARM) disclosures\nMortgage transfer disclosure\nRight of rescission\nHigher-priced mortgage loans\nHomeownership counseling\nAbility-to-Repay / Qualified Mortgage rules\n\nReg X: Real Estate Settlement Procedures Act (RESPA) \n\nHomeownership counseling\nGeneral disclosure requirements\nRestriction of fees\nEscrow accounts\nMortgage servicing and error resolution procedures\nEarly intervention requirements\, continuity of contact\, and loss mitigation procedures\n\nHomeowners Protection Act (PMI) \n\nCoverage\nCancellation and termination\nDisclosure requirements\nCivil liabilities\n\nReg Z: TILA-RESPA Integrated Disclosures \n\nLoan estimate\nClosing disclosure\nTolerances\n\nMilitary Lending Act \n\nCoverage\nLending limitations / Prohibited practices\nMAPR calculation\nDisclosure requirements
URL:https://www.tcaregs.com/event/compliance-school-virtual-co-sponsored-by-virginia-bankers-association-north-carolina-bankers-association/
LOCATION:IL
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/virginia-bankers-compliance-school.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20220308T090000
DTEND;TZID=America/New_York:20220309T170000
DTSTAMP:20260405T151640
CREATED:20220126T201527Z
LAST-MODIFIED:20220126T201902Z
UID:1517-1646730000-1646845200@www.tcaregs.com
SUMMARY:2022 BSA/AML Top Gun Conference
DESCRIPTION:Despite all the challenges that 2021 presented for us\, the 2021 Top Gun Conference proved to be a huge success with more participants than any other that I have attended. The virtual format provided a wonderful opportunity to train multiple employees on relevant topics without costly travel or disruption to daily routines. Recorded sessions allowed you to spend time training when it was convenient for you and to share relevant sessions with other departments. BOL Conferences heard you loud and clear\, so we are going to provide the same convenient remote option for Top Gun 2022! \nBSA is constantly evolving\, and this past year was no exception. With the passage of the Anti-Money Laundering Act (AMLA) in December 2020\, FinCEN has its work cut out for it with putting together new studies\, new priorities\, and new regulations. Our team of expert speakers is closely monitoring these developments so that we bring you the most current information you need to know for your BSA Program. Additionally\, Top Gun continues to be your best resource for the practical application of BSA requirements whether you are developing a training program\, completing Suspicious Activity Reports\, or trying to stay current with the hot topics and changing rules. \nTop Gun provides the relevant information you need in easy-to-understand discussions. One of the impacts of an increase in remote banking due to COVID has been an increase in cyber related fraud and online scams. However\, many BSA Officers may not be well versed in “tech” language which complicates the SAR decision making process. This year we are going to cut through the “technobabble” and provide guidance on how to evaluate what constitutes a cyber event and what steps you need to take. \nFeedback from previous conferences indicates that our question-and-answer sessions continue to be some of the most popular time 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 topgun@bolconferences.com. This is your conference\, and we want to provide relevant topics to support your BSA Program. \nI would like to personally invite you to join me and our expert speaker panel on March 8th and 9th for Top Gun 2022. \nI look forward to “seeing” all of you on March 8th and 9th. \nWarm regards\,\nBrian Crow\nBOL Conferences Coordinator \nP.S. Register early! \nSAR Completion – Deborah Crawford\nHere a checkbox\, there a checkbox\, everywhere a checkbox! The Suspicious Activity Report is one of the most complex documents we must complete. Nuances abound in the various types of suspicious activity we are expected to report\, and the types of products and instruments involved in the suspicious activity. In this session we will walk you through the report line by line to help you make sure nothing gets missed when you are filing your reports. \nWhat Happened Since Last Year? – Brian Crow\nIt was another busy year for FinCEN due to the passage of the Anti-Money Laundering Act in December 2020 and another year of growing electronic crime due to the continuation of COVID. We’ll bring you up to speed on current happenings in the Bank Secrecy Act\, recent enforcement actions\, and changes that may be on the horizon. \nDe-risking customers – Deborah Crawford\nWhen evaluating customer risk\, compliance risk\, financial risk\, and legal risk are often the first that come to mind. However\, reputation risk is quickly catching up. The decision to provide banking services to a particular individual or industry could be impacted by a desire to avoid affiliation with “social hot buttons” such as cannabis or adult entertainment. In this session we will discuss how to evaluate and document our risk tolerances and what steps we should take to mitigate risk. \nBuilding a Training Program – Deborah Crawford\nMany institutions take a “checkbox” approach to BSA training. Assign everyone an online BSA course and we’re good for another year\, right? The regulatory requirements are that each employee receive job specific BSA training that includes general BSA knowledge and institution specific policy and procedures. Simply checking a box does not address this requirement. In this session we will cover the steps you should consider to build a comprehensive training program for new and current employees\, the BSA Department and your board to ensure everyone has the knowledge they need for a successful BSA Program. \nSuspicious Activity Priorities and Red Flag Monitoring (Parts I and II) – Victor Cardona\nOne of the requirements of the Anti-Money Laundering Act was for FinCEN to publish AML priorities to highlight the types of crimes it sees as presenting the greatest risk to the United States. FinCEN published a list of eight priorities on June 30\, 2021. They include corruption\, cybercrime\, terrorist financing\, fraud\, transnational criminal organization activity\, drug trafficking organization activity\, human trafficking and human smuggling\, and proliferation financing. While this publication did not create any new rules for our BSA Programs\, we should be mindful of these types of activities should they occur through our institution. In this two-part session\, we will cover four of the eight priorities in each and discuss red flags you should consider in your monitoring to determine if this activity is taking place. \nInsider Abuse Monitoring and Reporting – Robin Guthridge\nOne of the most delicate types of investigations we must conduct is in suspected cases of insider abuse. On one hand we want to protect the institution and its customers from loss and on the other\, not tip off the insider that we suspect something is wrong until we complete our investigation. Matters can be further complicated if the insider is a board member or high-level executive who would normally receive updates of SARs. This session will provide suggestions and processes for managing internal investigations and SAR reporting. \nWhat Qualifies as a Cyber Event? – Brian Crow\nCyber Events are one of FinCEN’s eight AML Priorities. However\, many BSA Professionals have limited IT backgrounds and struggle to know when a Cyber Event SAR is needed or how to complete one. In this session\, we will consider FinCEN’s cyber event guidance and explore several scenarios to help you understand when SARs are required and how they should be completed. We’ll also define some of the more complex cyber lingo to help guide you along the way. \nBanking the Cannabis Industry – Robin Guthridge\nAs prevalent as the cannabis industry has become in states where it is legal in some form\, it is likely not a matter of “if” you’re banking it\, but “how much” and “do you know” that you are banking it. In absence of any guidance since 2014 on marijuana and 2020 on hemp\, cannabis continues to present risk and treacherous terrain for the financial industry. In this session we will cover the status of federal legislation and best practices for due diligence and ongoing monitoring.
URL:https://www.tcaregs.com/event/2022-bsa-aml-top-gun-conference/
LOCATION:Virtual
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BEGIN:VEVENT
DTSTART;TZID=America/New_York:20220303T080000
DTEND;TZID=America/New_York:20220304T170000
DTSTAMP:20260405T151640
CREATED:20220126T201005Z
LAST-MODIFIED:20220127T143128Z
UID:1514-1646294400-1646413200@www.tcaregs.com
SUMMARY:The One Conference
DESCRIPTION:Regulatory Compliance – Assigning Responsibility\nPresenter: Brian Crow\, Managing Partner & Co-President\, TCA® \nThe volume of compliance regulations for which your financial institution is responsible continues to expand. Ten years after the passage of the Dodd-Frank Act\, the CFPB is still writing regulations to implement that Act. The compliance officer is ultimately responsible for providing oversight of the institution’s compliance function\, but compliance is not solely that individual’s responsibility. In order to have a successful compliance management system\, compliance must be the responsibility of all employees within the organization\, starting with the board of directors who establish a culture of compliance to front-line staff that carries out day-to-day functions. In this session\, we explore the responsibilities for staff\, management\, departments heads\, compliance department\, and audit to help you evaluate the compliance structure within your organization. \nLearning Objectives: \n\nUnderstand the components of a compliance management system and the role that each employee plays.\nExplore responsibilities of three lines of defense for compliance monitoring and audit\nEvaluate case studies to understand what areas of compliance management broke down.
URL:https://www.tcaregs.com/event/the-one-conference/
LOCATION:Embassy Suites Peoria\, 100 Conference Center Drive\, East Peoria\, IL\, 61611\, United States
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BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20211101T080000
DTEND;TZID=America/Chicago:20211104T170000
DTSTAMP:20260405T151640
CREATED:20211025T131703Z
LAST-MODIFIED:20220919T172000Z
UID:1447-1635753600-1636045200@www.tcaregs.com
SUMMARY:2021 Regulatory Compliance School
DESCRIPTION:PROGRAM INFORMATION\nThis program is being presented by TCA. The Regulatory Compliance School is geared towards establishing a strong knowledge base for compliance professionals. Their unique approach is comprehensive and lauded by attendees as an effective\, interactive\, and fun way to learn about compliance. This program will be broken into two parts: Deposit Compliance and Lending Compliance. \nDay 1: Deposit Compliance\nConsumer 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. Specific topics for this day include: \n\nReg D: Account Definitions\nReg E: Electronic Funds Transfer Act\nReg CC: Expedited Funds Availability Act\nReg P: Privacy and Information Sharing “Opt Outs”\nReg S: Right to Financial Privacy\nFair Credit Reporting Act/ID Theft “Red Flags”\nReg DD: Truth in Savings Accounts (TISA)\nCourtesy Overdraft Programs\n\nDays 2 – 4: Lending Compliance \nConsumer 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. Specific topics for these days include: \n\nReg B: Equal Credit Opportunity Act\nFair Credit Reporting Act\nUnfair\, Deceptive\, or Abusive Acts or Practices (UDAAP)\nFlood Disaster Protection Act\nReg C: Home Mortgage Disclosure Act (HMDA)\nReg Z: Truth in Lending Act\nReg X: Real Estate Settlement Procedures Act (RESPA)\nHomeowners Protection Act (PMI)\nReg Z: TILA-RESPA Integrated Disclosures\nMilitary Lending Act\n\nSPEAKER INFORMATION\nStay tuned for speaker details! \nLODGING INFORMATION\nThe NCBA has secured a corporate rate at the Raleigh North Hills Hilton\, which is $182/night. To make a reservation at this discounted rate\, please use the link below. \nBook your corporate rate for the NC Bankers Association
URL:https://www.tcaregs.com/event/2021-regulatory-compliance-school/
LOCATION:NCBA Office\, 33601 Haworth Drive\, Raleigh\, NC\, 27609\, United States
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BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20210920T083000
DTEND;TZID=America/Chicago:20210924T163000
DTSTAMP:20260405T151640
CREATED:20210625T143422Z
LAST-MODIFIED:20220919T172015Z
UID:1388-1632126600-1632501000@www.tcaregs.com
SUMMARY:Regulatory Compliance Series - In Person
DESCRIPTION:Earn the IBA’s Certificate in Regulatory Compliance by participating in the entire series or any combination of the five informative programs.  View Brochure \nProgram 1 | Credit Compliance\, Part 1\nReg B: Equal Credit Opportunity Act\nFair Credit Reporting Act\nUnfair\, Deceptive\, or Abusive Acts or Practices (UDAAP)\nFlood Disaster Protection Act\nReg C: Home Mortgage Disclosure Act (HMDA) \nProgram 2 | Credit Compliance\, Part 2\nReg Z: Truth in Lending Act\nReg X: Real Estate Settlement Procedures Act (RESPA) \nProgram 3 | Credit Compliance\, Part 3\nHomeowners Protection Act (PMI)\nReg Z: TILA-RESPA Integrated Disclosures\nMilitary Lending Act \nProgram 4 | Deposit Compliance\nReg D: NOW Eligibility and Savings / MMDA Limits\nReg E: Electronic Funds Transfer Act\nReg CC: Expedited Funds Availability Act\nReg P: Privacy and Information Sharing “Opt Outs”\nFair Credit Reporting Act / ID Theft “Reg Flags”\nReg DD: Truth in Savings Accounts (TISA) \nProgram 5 | BSA/AML Compliance and Regulators’ Forum\nBSA/AML and USA Patriot Act\nRegulators’ Forum \nAudience\nCompliance Officers and Managers\, Consumer Lenders\, Residential Real Estate Lenders\, Personal and Retail Bankers\, Operations Officers\, Legal Counsel\, Auditors and Cashiers\nWhile the material covered in this series is geared toward entry and intermediate level positions\, these courses are perfect to find out what’s changed\, to brush up on areas that you may be less familiar with\, or to earn continuing education credits. \nContinuing Education Credits\nABA Professional Certifications is dedicated to promoting the highest standards of performance and ethics within the financial services industry. Regulatory Compliance Series has been approved for 8 CAFP\, 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. \nThe 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). \nPer Person Full Series Fee (Refreshments and Lunch Provided)\nM $1099 / NM $1949 \nPer Person Individual Program Fee (Refreshments and Lunch Provided)\nM $249 / NM $419 \nOnDemand Access through November 24\, 2021 \n\n\n\n\n\n\n\n\n\n\n\n\n\n \n\n\n\n \n\nCenter for Banking Excellence   Visit Website3201 West White Oaks Drive\, Suite 400\nSpringfield\, IL 62704-6457
URL:https://www.tcaregs.com/event/regulatory-compliance-series-in-person/
LOCATION:Center for Banking Excellence\, 3201 West White Oaks Dr.\, Suite 400\, Springfield\, IL\, 62704\, United States
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BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20210811T080000
DTEND;TZID=America/Chicago:20210814T170000
DTSTAMP:20260405T151640
CREATED:20210524T130157Z
LAST-MODIFIED:20220919T172034Z
UID:1371-1628668800-1628960400@www.tcaregs.com
SUMMARY:IBA Annual Conference: It's Your Show
DESCRIPTION:ANNUAL CONFERENCE: IT’S YOUR SHOW\n\n\n \n\n\n\nAugust 11-14 | Branson Convention Center\nA Hybrid Event: In-person and Streamed thru the Illinois Bankers Event app \n  \nHost Hotel\nHilton Branson Convention Center\n200 East Main Street\, Branson\, Missouri 65616\nPhone: 866-442-0959\nBook A Room \nIn-person / Virtual Pass\nVirtual bank organizations registering by July 16 receive a special swag bag! \n  \nIn-Person (per person) \nBank Member: $595 \nBank Non-Member / Associate Member: $995 \nGuest (Spouse/Friend/Outside Directors): $395  \n  \nVirtual Experience (per organization / single fee with unlimited attendees) \nMember Bank $995  \nNon-Member Bank / Associate Member $1\,395 \nUpon registration\, the registrant will receive an all-access pass confirmation email. It will include a sample team message\, registration link and a promo code to be shared with the entire team. \nSpecial Bank Member Offers \n  \nUltimate Experience: $995 per organization \nSingle In-Person + Virtual Experience \nBe present in Branson and allow everyone back at the bank to virtually stream the sessions. \n  \nUltimate VIRTUAL Experience: FREE  \nAllow everyone at your organization to stream the sessions for FREE when two or more paid bank registrants attend in-person. 
URL:https://www.tcaregs.com/event/iba-annual-conference-its-your-show/
LOCATION:IL
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/its-your-show.jpg
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BEGIN:VEVENT
DTSTART;TZID=America/New_York:20210311T090000
DTEND;TZID=America/New_York:20210312T120000
DTSTAMP:20260405T151640
CREATED:20210303T134419Z
LAST-MODIFIED:20210303T134534Z
UID:1324-1615453200-1615550400@www.tcaregs.com
SUMMARY:Managing an Effective Compliance Program
DESCRIPTION:Effective compliance management requires a mastery of both compliance know-how plus people and project management skills. This program examines strategies for effective compliance management featuring a detailed CMS model discussion with a focus on risk assessments\, vendor management\, and complaint response. The session applies the compliance infrastructure and regulation foundation to your day-to-day needs and job demands\, with a focus on the most pressing issues and topics. \nAgenda – Day 1 – 9:00 a.m. – 12:00 p.m. \nRegulatory Process \n\nLaws/regulations and bank’s involvement in the process\nCurrent regulatory trends\n\nCompliance Management Systems \n\nBoard and management oversight\nComprehensive program\n\nPolicies and procedures\nRisk assessment\nChange control\nMaintaining compliance competence\nVendor management (from the compliance officer’s perspective)\nCorrective action\n\n\n\nAgenda – Day 2 – 9:00 a.m. – 12:00 p.m. \nAudit/Review \n\nMonitoring\n\nIdentifying activities that need to be periodically monitored\nIdentifying how often monitoring should occur\nReporting monitoring findings\nTracking identified issues\n\n\nIndepending Reviews\n\nIdentifying areas\, rules\, or activities\nDetermining frequency\nProcess review\, transaction testing\, or both\nOversight\n\n\n\nConsumer Complaints \n\nFormal response to written complaints (includes e-mail)\n\nDirect from consumers\nThrough regulatory agencies\nThrough Better Business Bureau or other sources\n\n\nResponding to verbal complaints\nTracking complaints (including verbal) to identify:\n\nInconsistencies\nPossible UDAAP issues\nPossible fair lending issues\n\n\n\nPreparing for Examination \n\nPlanning ahead\nBeing prepared\nControlling the examiner interview process\nHandling exceptions\nParticipating in the “wrap up” meeting\nPotential penalties\n\nFacilitators\nMichelle 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. \nBrian Crow\, CAMS\, managing partner and co-president at TCA\, is a nationally recognized Reg E and BSA/AML expert. 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. \nContinuing Education\nABA 7.25 CRCM Credits \nPer Person Fee\n(Includes OnDemand Access through May 12\, 2021)\nM $249 / NM $419
URL:https://www.tcaregs.com/event/managing-an-effective-compliance-program/
LOCATION:Virtual
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END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20210302T080000
DTEND;TZID=America/New_York:20210303T160000
DTSTAMP:20260405T151640
CREATED:20210119T174758Z
LAST-MODIFIED:20210119T180111Z
UID:1270-1614672000-1614787200@www.tcaregs.com
SUMMARY:2021 BSA/AML Top Gun Conference
DESCRIPTION:Here’s a list of topics we are working on for TOP GUN 21. Because we endeavor to offer the most timely and relevant topics\, the topics posted here are subject to change. If any changes are made\, this page will be updated to reflect the modifications. \nWhat Happened Since Last Year?\nPerhaps a better question is “What didn’t happen last year?” This introductory session will cover suspicious activity trends during the pandemic\, recent enforcement actions\, FinCEN advisories\, SAR disclosures\, and BSA hot topics that made the headlines. \nManaging Cannabis Risk\nFinCEN provided additional guidance to provide banking services to hemp related businesses. However\, there have been no updates relating to marijuana\, CBD Oil and other cannabis derived products or for businesses that indirectly provide services to the cannabis industry. As the number of states with some form of legalized cannabis product grows\, the need to align your policy and procedures with your board’s appetite for risk grows. In this session we will provide an overview of a cannabis risk program and demonstrate how to align it with current guidance. \nManaging remote audits/exams in a pandemic environment\nAlthough the pandemic has altered many of our routines\, regulators continue to conduct periodic examinations and the requirement for independent oversight of the BSA Program remains. Managing the process while rotating staff at the office or working from home presents some unfamiliar challenges. In this session we will explore steps prior to\, during and after the audit/exam to aid in having a successful engagement. \nBSA Updates on the National Defense Authorization Act.\nThe Anti-Money Laundering Act of 2020 will make significant changes to the BSA/AML landscape. This is the most substantial anti-money laundering and counter terrorism legislative reform since the implementation of the USA Patriot Act of 2001. We will discuss the major provisions of the Act\, and the effect they will have on the U.S. banking system. \nSuspicious Activity Monitoring in a Pandemic\nWhat’s the New Normal? During this session we will talk about the factors that may have affected your transaction monitoring. Your customer’s new normal could be affecting existing baselines and cause you difficulties in figuring out when they are over and under normal transactions. We will talk about movements from cash to electronics\, person to person payments\, virtual currency and more. Normal is not just a dryer setting\, it’s your customers business profile. We may have new baselines to consider for pandemic purposes. \nCOVID and Medical Services Fraud \nImposter and Money Mule Schemes \nCOVID and Cybercrime \nPayment Protection Program Loan Fraud \nCTR Updates\, Pending\, Final and everything in between\nFinCEN made several changes to the CTR Filing instructions in the last year to make the report more useful to law enforcement. The changes increase transparency in persons’ roles in the transaction\, but also mean additional filing requirements for us. To further cloud matters\, compliance for some of the new rules is mandatory\, while others have been suspended due to the pandemic. This session will walk you through all of the new requirements\, noting which are effective and which are delayed and provide examples of how to comply with the new instructions. \nAccount opening during a pandemic\nThe pandemic has resulted in lobbies being closed or reduced to in-person by appointment only. Many institutions encourage use of technology as an alternative to encourage social distancing. This may include online applications and/or online account opening. For institutions that have not previously offered these options\, ensuring that new processes comply with Customer Identification Program and Bank Secrecy Act requirements is a critical piece of offering this service delivery option to our clients. \nVirtual Currency: Exchanges Masquerading as Users\nVirtual Currency continues to emerge as a hot button for BSA/OFAC risk. FinCEN and the U.S. Treasury published joint advisories regarding the risk of virtual currency money transmissions being used to funnel funds to sanctioned persons. While your customer may not be a virtual currency transmitter\, they could be a victim of data breach which leads them to send virtual currency to the fraudsters. In this session we will explore your monitoring and SAR-filing responsibilities relating to virtual currency transactions. \nEnhanced Due Diligence: Moving away from the checklist\nFinCEN published guidance relating to collecting enhanced due diligence for politically exposed persons and non-government organizations. On the one hand\, these documents serve as a guide for what types of questions to ask these customers. However\, we can’t stop our review just because we receive the answers. All EDD guidance urges a risk-based approach to the information we collect. These documents should serve as a guide for collecting pieces of the EDD puzzle for certain customer types. Collection of this information does not guarantee compliance. We still must put the pieces of the puzzle together to tell a story about our customer to document our understanding of the relationship. \nRisk-based BSA/AML Program\n“What does BSA require of your Program” vs. “What is a good idea to do for your Program?” If we had unlimited resources\, we may not care how much time\, energy and money is used to comply with BSA. However\, the reality is that we don’t monitor every customer and every transaction. Recent guidance indicates that examiners are taking a risk-based approach and we are encouraged to do the same. Before we take this as carte blanche to start cutting back on our processes\, this session will help identify relevant risk factors we should consider and how that translates to policy and procedures. \nIf there is topic you would like to see\, send us an email at requests@bolconferences.com and\ntell us … this is YOUR conference\, so please tell us what Y O U want to hear. \n 
URL:https://www.tcaregs.com/event/2021-bsa-aml-top-gun-conference/
LOCATION:Virtual
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/top-gun-conference.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20201016T100000
DTEND;TZID=America/Chicago:20201016T120000
DTSTAMP:20260405T151640
CREATED:20200824T161015Z
LAST-MODIFIED:20220919T172047Z
UID:1214-1602842400-1602849600@www.tcaregs.com
SUMMARY:Mastercard & Reg E Error Resolution
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. \nMastercard 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. \nIn 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. We will discuss the impact of “Chip Liability Shift” on the chargeback process. 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. \nIn this two-hour session\, Brian will cover: \n\nMastercard chargeback process updates\nThe latest in EMV Chip card Fraud\nZero Liability coverage vs. Reg E liability schedule\nProvisional credit requirements\nBusiness debit cards\nProper handling of a chargeback when Regulation E also applies\nReg E investigation tips with and without written confirmation\nEnforcement Actions relating to Regulation E investigation procedures\nDispute resolution procedures\n\nWritten materials will be provided for the listener to refer to during the presentation.
URL:https://www.tcaregs.com/event/mastercard-reg-e-error-resolution/
LOCATION:Virtual
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/bol-learning.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20201013T133000
DTEND;TZID=America/Chicago:20201013T153000
DTSTAMP:20260405T151640
CREATED:20200824T160801Z
LAST-MODIFIED:20220919T172101Z
UID:1211-1602595800-1602603000@www.tcaregs.com
SUMMARY:VISA and Reg E Error Resolution
DESCRIPTION: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 will also apply to may 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. \nIn 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. We will discuss the impact of “Chip Liability Shift” on the chargeback process. Several real-world examples will be included. These case studies will aid the listener in making critical decisions when applying VISA rules to assist customers and protect the issuer’s bottom line. \nIn this two-hour session\, Brian will cover: \n\nVISA chargeback codes\nZero Liability coverage vs Reg E Liability Schedule\nProvisional credit requirements\nBusiness debit cards\nProper handling of a chargeback when Regulation E also applies\nReg E investigation tips with and without written confirmation\nEnforcement Actions relating to Reg E Investigation Procedures\nDispute resolution procedures\n\nWritten materials will be provided for the listener to refer to during the presentation.
URL:https://www.tcaregs.com/event/visa-and-reg-e-error-resolution/
LOCATION:Virtual
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/bol-learning.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20200923T080000
DTEND;TZID=America/Chicago:20200924T170000
DTSTAMP:20260405T151640
CREATED:20200807T162532Z
LAST-MODIFIED:20220919T172115Z
UID:1207-1600848000-1600966800@www.tcaregs.com
SUMMARY:Operations Compliance Triage Conference
DESCRIPTION:At BOL Conferences\, we are always on the lookout for ways to help bankers cope in an ever-changing environment. What we have experienced during the last several months certainly qualifies! \nNow\, with the added challenge of operating in the midst of a worldwide pandemic\, we find ourselves in a unique position. With the wealth of knowledge accumulated at BankersOnline combined with access to the industry’s most experienced gurus\, we stand ready to help you with the targeted strategies\, guidance\, and solutions that will allow you to navigate in these fast-moving times. \nEven prior to the recent health crisis\, we were monitoring many developments affecting operations. From the entire alphabet soup of regulations (Reg E\, CC\, DD\, and on and on) to implementing new rules (like those impacting RMDs\, CTRs\, and NRA interest reporting) to account issues (from opening online accounts to deceased accounts) our team of bankers and industry experts has been digesting all the changes and developed an information-packed program filled with strategies\, guidance\, and practical tips that will help with the nuts-and-bolts work you are responsible for each day. We’ve seen a lot of changes – and we have you covered. \nWe are excited to add the bank Operations Compliance Conference to our conference lineup and we commit to keeping you and your operations team up-to-date and in compliance during these changing times. \nJoin us in September for our Operations Compliance Triage Conference!
URL:https://www.tcaregs.com/event/operations-compliance-triage-conference/
LOCATION:Virtual
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/opcomptriage20_terms.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20200921T080000
DTEND;TZID=America/Chicago:20200925T170000
DTSTAMP:20260405T151640
CREATED:20200807T160149Z
LAST-MODIFIED:20220919T172131Z
UID:1205-1600675200-1601053200@www.tcaregs.com
SUMMARY:Illinois Bankers Association’s Regulatory Compliance School
DESCRIPTION:In conjunction with the Illinois Bankers Association\, TCA Compliance will provide five days of training on the complex regulatory requirements for consumer lending\, consumer deposits\, and BSA/AML compliance. \nIf you’re new to compliance or need a refresher\, this virtual course\, taking place September 21-25\, 2020\, will give you a deeper understanding of the regulations and their real-world application. Topics will include UDAAP\, Flood\, Reg. Z\, RESPA\, TRID\, HMDA\, Reg. E\, and TISA. \nThree TCA Compliance experts – Brian J. Crow\, CAMS Managing Partner | Co-President\, Michelle Strickland\, CRCM\, Managing Partner | Co-President\, and Monique Reyna\, CRCM Compliance Consultant – will teach the classes. \nThe Regulatory Compliance Series has been approved for eight CAFP and 40 CRCM credits. \nFor more details and registration\, see https://www.ilbanker.com/Portals/1/Education/Regulatory_Comp_Series.pdf \nand \nhttps://my.ilbanker.com/Education-Events/Upcoming-Programs/Meeting-Home-Page?meetingid={AAA9B580-C430-EA11-80E2-000D3A0EE828
URL:https://www.tcaregs.com/event/illinois-bankers-associations-regulatory-compliance-school/
LOCATION:Virtual
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/illinois-bankers-compliance-school.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20200824T080000
DTEND;TZID=America/Chicago:20200827T170000
DTSTAMP:20260405T151640
CREATED:20200807T160017Z
LAST-MODIFIED:20220919T172145Z
UID:1201-1598256000-1598547600@www.tcaregs.com
SUMMARY:Virginia Bankers Association’s Virtual Compliance School
DESCRIPTION:TCA Compliance has partnered with the Virginia Bankers Association to put on this year’s 2020 Virtual Compliance School. \nScheduled for August 24-27\, 2020\, the program features two education tracks – a three-day session on lending and a one-day session about deposits. \nBoth sessions will cover the latest regulatory updates\, and participants may register for either or both tracks. The content is designed for entry- and mid-level compliance personnel who need to build their skills and knowledge. \nCompliance experts from TCA Compliance\, a longtime VBA partner and an Endorsed Provider\, will teach all the sessions. They are: \nBrian J. Crow\, CAMS\nManaging Partner | Co-President \nMichelle Strickland\, CRCM\nManaging Partner | Co-President \nBrenda Payne\, CRCM\, CCBIA\nDirector of East Operations \nMargaret F. Dollinger\, CRCM\nCompliance Consultant & Fair Lending Specialist \nMonique Reyna\, CRCM\nCompliance Consultant \nFor complete information and registration\, see https://www.vabankers.org/person/compliance-school.
URL:https://www.tcaregs.com/event/virginia-bankers-associations-virtual-compliance-school/
LOCATION:Virtual
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/virginia-bankers-compliance-school.jpg
END:VEVENT
END:VCALENDAR