BEGIN:VCALENDAR
VERSION:2.0
PRODID:-//TCA - ECPv6.15.18//NONSGML v1.0//EN
CALSCALE:GREGORIAN
METHOD:PUBLISH
X-WR-CALNAME:TCA
X-ORIGINAL-URL:https://www.tcaregs.com
X-WR-CALDESC:Events for TCA
REFRESH-INTERVAL;VALUE=DURATION:PT1H
X-Robots-Tag:noindex
X-PUBLISHED-TTL:PT1H
BEGIN:VTIMEZONE
TZID:America/Chicago
BEGIN:DAYLIGHT
TZOFFSETFROM:-0600
TZOFFSETTO:-0500
TZNAME:CDT
DTSTART:20190310T080000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0500
TZOFFSETTO:-0600
TZNAME:CST
DTSTART:20191103T070000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0600
TZOFFSETTO:-0500
TZNAME:CDT
DTSTART:20200308T080000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0500
TZOFFSETTO:-0600
TZNAME:CST
DTSTART:20201101T070000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0600
TZOFFSETTO:-0500
TZNAME:CDT
DTSTART:20210314T080000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0500
TZOFFSETTO:-0600
TZNAME:CST
DTSTART:20211107T070000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0600
TZOFFSETTO:-0500
TZNAME:CDT
DTSTART:20220313T080000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0500
TZOFFSETTO:-0600
TZNAME:CST
DTSTART:20221106T070000
END:STANDARD
END:VTIMEZONE
BEGIN:VTIMEZONE
TZID:America/New_York
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20200308T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20201101T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20210314T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20211107T060000
END:STANDARD
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20220313T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20221106T060000
END:STANDARD
END:VTIMEZONE
BEGIN:VEVENT
DTSTART;TZID=America/Chicago:20210811T080000
DTEND;TZID=America/Chicago:20210814T170000
DTSTAMP:20260405T173609
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/
ATTACH;FMTTYPE=image/jpeg:https://www.tcaregs.com/wp-content/uploads/its-your-show.jpg
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20210311T090000
DTEND;TZID=America/New_York:20210312T120000
DTSTAMP:20260405T173609
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
ATTACH;FMTTYPE=image/png:https://www.tcaregs.com/wp-content/uploads/illinois-bankers-assocation.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/New_York:20210302T080000
DTEND;TZID=America/New_York:20210303T160000
DTSTAMP:20260405T173609
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:20260405T173609
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:20260405T173609
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:20260405T173609
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:20260405T173609
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:20260405T173609
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