Wyoming Bankers Association February 2018 · Wyoming Bankers Association February 2018 ... AIB...

Wyoming Bankers Association February 2018

Upcoming Live Conferences/Seminars/Workshops/Convention

2018 WBA New Accounts Documentation Seminar – May 8, 2018 – Ramkota Hotel, Casper, WY*

2018 WBA Agricultural Bankers Conference – May 16-17, 2018 – EWC, Torrington, WY (Registration opens in March)

2018 Wyoming Bankers Convention – June 10-12, 2018 – Holiday Inn, Cody, WY (Registration opens in March)

2018 Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) Training – June 19, 2018 – Ramkota Hotel, Casper, WY*

2018 WBA IRA Seminar – October 10 & 11, 2018 – Hilton Garden Inn, Casper, WY (Registration opens in May)

Total Training Solutions Webinars

On Demand Webinars can be found on our website: http://www.wyomingbankers.com/?page=webinars

Core Compliance Suite: A Monthly Update

Directors Education Series - Monthly Series Available

What to Do When a Customer Dies – February 1, 2018*

Developing and Organizing an Effective Remote Deposit Capture Program (RDC) – February 1, 2018*

Excel Explained: Building Error-Proof Spreadsheets – February 2, 2018*

CRE Appraisals: Regulations and the Review Process – February 5, 2018*

Train Smarter and More Effectively – February 6, 2018*

New Accounts Seminar – Personal Accounts – February 6, 2018*

Loan Documentation: Top 10 Mistakes and How to Avoid Them – February 7, 2018*

FFIEC Information Security Handbook Review – February 8, 2018*

New Accounts Seminar – Business Accounts – February 8, 2018*

Masterful Time Management – February 9, 2018*

Consumer Real Estate Loans – February 12, 2018*

Box Renter Dies, Who Can Get Into the Box? – February 13, 2018*

New Accounts Seminar – Trust and Fiduciary – February 13, 2018*

Regulation CC – Check Holds – February 14, 2018*

Compliance Rules for Commercial Loans Secured by Real Estate – February 15, 2018*

Mapping Multi-Tiered Business Accounts – February 15, 2018*

Writing an Effective Credit Memorandum – February 20, 2018*

ACH Rules Update – February 21, 2018*

Open-Ended Lines of Credit – Compliance Issues – February 21, 2018*

Ransomware and Cyber Extortion – February 22, 2018*

Vital Check and Deposit Issues – Two Part Series – February 22, 2018*

Vital Check and Deposit Issues – Part I – February 22, 2018*

Dealing with Appraisals: Regulations and Requirements – February 23, 2018*

Basic Personal and Business Tax Return Analysis – February 26, 2018*

BSA Emerging Issues 2018 – February 27, 2018*

It’s Time for a TRID Check Up – February 28, 2018*

ACH Origination and Same Day Entries – February 28, 2018*

WBA PARTNERS WITH THE IBA TO OFFER ON-DEMAND WEBINARS

Annual Training On-Demand Webinar*

BSA for Directors On-Demand Webinar*

Certifications SBS Institute Certification Programs*

ABA Training AIB Diploma/Certificate Application*

Schools Schools of Banking – Nebraska & Kansas Graduate School of Banking at the University of Wisconsin-Madison Seminars*

Bank Technology Management School – April 8-13, 2018* Human Resource Management School – April 15-20, 2018* Community Bank Investments School – May 20-24, 2018

South Dakota Banks Association 2018 National School for Experienced Ag Bankers – June 25-29, 2018* Graduate School of Banking – July 29-August 10, 2018 Financial Managers School – September 9-14, 2018 Sales and Marketing Security School – October 14-19, 2018 Bank Technology Security School – October 21-26, 2018

*Brochure enclosed - Call Cheryl for more information at 307/638-5008 - Visit our Web site at www.wyomingbankers.com for the most current education brochure. The Wyoming Bankers Association has scholarship opportunities available with the PCBS and GSBC,

Contact Cheryl at 307-638-5008 or [email protected] for more information.

http://www.wyomingbankers.com/?page=webinars

Wyoming Bankers Association Presents…….

NEW ACCOUNT DOCUMENTATION SEMINAR MANAGING RISK WHEN OPENING NEW ACCOUNTS

Tuesday, May 8th, 2018 – Ramkota Hotel – Casper Program: 8:30 a.m. - 3:30 p.m., Lunch Included

Seminar Description Managing risk is the #1 priority for all financial institutions and it all starts at the new account desk. Well-trained bankers who recognize and stop attempted dishonest activity are the first line of defense in protecting a financial institution from fraudsters. Unfortunately, too often, new account personnel are trained "on the job" which can result in an environment of potential vulnerability and unnecessary losses. Additionally, with constant new regulations, the need for ongoing training is paramount in order to maintain diligence as well as update processes and procedures.

This full day workshop teaches vital account opening procedures, regulatory and compliance requirements while focusing on essential information needed for every new account. This includes CIP requirements such as proper identification and correct TIN but also requires understanding the fundamental questions that should be answered by every potential accountholder: What is the purpose of the account? Who owns the funds? Who will have access to the funds during lifetime and at death? Who can legally represent a business entity? The seminar manual is customized to your state law and has become known as the "technical reference handbook" for new account departments across the country.

What You Will Learn ♦ Understanding Signature Card Contracts and the Impact on an Estate Plan ♦ TIN Compliance –Thorough Discussion of SSN vs. EIN and W-9 vs. W-8BEN ♦ Proper Business Account Documentation and Resolutions

o Sole Proprietorships, General and Limited Partnerships, Corporations, LLC, and LLP, Non-Profit Associations and Charitable Organizations

♦ Account Access at the Death of a Business Owner/Signer ♦ Opening Individual Accounts; Adding Authorized/Convenience Signers or Agents ♦ Joint Accounts With Rights of Survivorship and Tenants-In-Common Without Rights of Survivorship ♦ Power of Attorneys – Using an In-House Form vs. Accepting an Out-of-House Form ♦ Formal Trust Accounts - Difference Between Revocable and Irrevocable Trusts; Opening Living

Trusts ♦ Informal Trust Accounts - Pros and Cons of POD and Revocable Trustee Accounts ♦ Opening Accounts For Minors – Joint Accounts vs. Uniform Transfer To Minors Act Accounts ♦ Estate and Court Ordered Accounts: Handling Deceased Accountholders, Guardianships and

Conservatorships

Who Should Attend All customer contact personnel, supervisors and officers whose responsibilities include opening or managing new accounts and certificates of deposit. Excellent for supervisors or officers who have recently assumed the responsibility of the new account area but perhaps have never worked in new accounts. Internal Auditors, BSA/AML Officers, and Compliance Officers will find the information exceptionally beneficial.

YOU ARE ENCOURAGED TO BRING A COPY OF YOUR INSTITUTION’S SIGNATURE CARDS AND ACCOUNT AGREEMENT TO THE WORKSHOP

Seminar Instructors Suzette (Suzie) Jones, CFP® is Managing Member of Training Resources Consulting, LLC located in Houston, Texas. Suzie is credited with writing one of the first new account documentation and compliance seminars in the country in 1978. With almost 40 years of experience in the financial industry, Suzie has focused her technical expertise on new accounts risk management. As an Executive Vice President for a large regional bank, Suzie provided overall leadership to the Investment Division’s team of 70 representing $11B in assets. She was an active member of the AML, BSA, Personal/Corporate Risk and Non-Bank Product Risk Committees. Suzie brings technical information to life with her engaging training style and in-depth knowledge. She holds the Certified Financial PlannerTM (CFP®) professional designation.


NEW ACCOUNT DOCUMENTATION SEMINAR MANAGING RISK WHEN OPENING NEW ACCOUNTS

Tuesday, May 8th, 2018 – Ramkota Hotel – Casper Program: 8:30 a.m. - 3:30 p.m., Lunch Included

Registration Form

1st Registrant: List registrant and title:___________________________________________________________

Bank/Firm Name_____________________________________Phone______________________

Address (PO Box)_______________________________________FAX____________________

City/State/Zip___________________________________________________________________

Email Address __________________________________________________________________

**************************** Additional Registrant (copy this form for additional registrations)

List registrant and title:___________________________________________________________

Address (PO Box)_______________________________________ Phone___________________

City/State/Zip___________________________________________________________________

Email Address __________________________________________________________________

REGISTRATION FEE: Member Rate: $220 per registrant Non Member Rate: $440 per registrant

PAYMENT OPTIONS: Payment by Check: mail in Send Invoice: fax registration to 307/638-5013 Send Invoice: Email registration to [email protected] Online registration: www.wyomingbankers.com

OVERNIGHT ACCOMMODATIONS: are to be handled by individual attendees. A block of rooms has been reserved for May 7 at the Ramkota Hotel Casper @ 800 N. Poplar Street, Casper, 307/266- 6000. Be sure to ask for the room rate of $79.99 under the Wyoming Bankers Assoc. Room Block. Room block expires APRIL 23, 2018.

CANCELLATION POLICY: No refunds will be made after APRIL 23, 2018~~all cancellations prior to 4/23 are subject to a $25 cancellation charge and an additional $25 cancellation fee applies to all credit card registrations. Substitutions may be made at any time. REGISTRATION DEADLINE – APRIL 23, 2018.

MAIL THIS FORM AND CHECK TO: Wyoming Bankers Association, P.O. Box 2190, Cheyenne, WY 82003 307/638-5008 FAX 307/638-5013


Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) Solutions

Tuesday, June 19th, 2018 – Ramkota Hotel – Casper Program: 8:30 a.m. - 3:30 p.m., Lunch Included

Seminar Description This program is designed to enhance the skills of your Bank Secrecy Act (BSA) and Anti‐Money Laundering (AML)

support staff, your independent audit team, and any personnel responsible for managing and maintaining a strong BSA

and AML program. Expand your staff’s understanding and expertise in some of the most critical skills they will ever possess – skills that can protect your profits in these very challenging times of tight margins and sustained high expectations! Recent exam findings indicate we need to enhance our compliance management systems!

Join us for an update to our Bank Secrecy Act fundamentals to ensure you are maintaining the appropriate program commensurate with your Bank’s program tools and techniques to match current trends. We will focus heavily on the finalized Beneficial Ownership Rules to be implemented and the FinCEN Cybersecurity resources.

As soon as we think we have the patterns pegged, the criminals quickly develop new and trickier ways to hide in plain sight! There’s been absolutely no decline in the expectation for us to perform more and more due diligence to know our customer and identify unusual or suspicious customer activity! Despite the regulatory challenges we are facing, BSA and AML expectations have not subsided. Examine the expanded, useful risk assessment and review techniques that can be gleaned from a wide variety of reliable and free resources. Learn how to immediately apply them to your high risk customers. Lots of great tools to enhance your customer due diligence program whether you think you have high risk customers or not! No need to feel overwhelmed by existing customer due diligence responsibilities (CDD) and the new beneficial ownership rules! We’ll help with some tips and tools to get your program updated and compliant.

Patti Blenden of Financial Solutions will lead our program to discover new and improved solutions to the ever‐expanding regulatory challenges. We will discuss the latest developments regarding risk assessment, criminal activity patterns indicating increased problems and the bank’s reporting responsibilities that accompany those scenarios. Join us for the review of an updated and expanded risk assessment methodology including the required elements for documenting your

bank’s risk assessment. Learn from others’ mistakes by re‐ viewing the latest BSA/AML enforcement actions and how the criminals and terrorists are expanding their use of electronic payment methods, prepaid cards and just about anything else they can get their hands on!

We will learn more tricks and tips to maximize your programs designed to comply with these very important issues facing every financial institution. We’ll learn, we’ll laugh, and we’ll vent a little. Most importantly, we’ll be ready to face the latest

version of BSA and AML challenges with a few more effective tools. Come get more great solutions and be prepared for the next level in the war against money laundering and terrorist financing.

Agenda 8:00 a.m.: Registration 8:30 a.m.: Program Featuring Patti Blenden

BSA/AML Regulatory Program Expectations Five Pillars of BSA Compliance Programs Expanded Risk Assessment Requirements Geography: Countries of Concern, HIDTAs,

HIFCAS, Bulk Currency Corridors Road Map to Success: Current BSA/AML

Exam Trends & Enforcement Actions Customer Identification Program (CIP)

Banking Foreign Customers Customer Due Diligence and High‐Risk Products and Services Enhanced Due Diligence Beneficial Ownership and Risky Business TPPP, ATM

Owners, Mobile Banking, RDC, New Payment Methods Noon: Luncheon

BBSA Recordkeeping CTRs and CTR Exemptions Monetary Instruments Suspicious Activity Reports (SARs) BSA/AML Training Other Recordkeeping

Office of Foreign Asset Control (OFAC) Program and Watch Lists

Screening Responsibilities and Match Resolution HIDTA, HIFCA, Foreign and Domestic PEPs, FBI

Most Wanted, and other Watch Lists Money Laundering and Terrorist Financing Trends

Core Money Laundering Indicators Effectively Fighting Fraud, Money

Laundering and Terrorist Financing Money Laundering Threat Assessment and Industry Trends

3:30 p.m.: Adjournment ‐ Certificate of Training

Who Should Attend Security officers, compliance officers, private or contract fraud and financial crimes investigators, auditors, training managers are all encouraged to attend.

Seminar Instructor Patti Joyner Blenden founded Financial Solutions in 1990. Ms. Blenden is a frequent presenter for the ABA where she serves as a faculty member of its prestigious Stonier Graduate School of Banking and National, Intermediate and Graduate Compliance Schools. Additionally, Patti has developed and delivered many ABA briefing/webcast series on mortgage requirements and many other compliance subjects. She works extensively with many state and regional banking associations, and has been an invited speaker for various State and Federal regulatory and law enforcement agencies. In addition, Patti speaks at many national and state compliance seminars, schools and conferences, and conducts in-bank training. Patti serves as Editor of the national regulatory compliance newsletter published 16 times per year, Compliance Action. Ms. Blenden has a B.S. degree in Accounting from Louisiana Tech University where she graduated with honors. Patti earned her Certified Public Accountant (CPA) certification in 1984. She has over 37 years of banking experience and is a Certified Regulatory Compliance Manager (CRCM).

Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) Solutions

Tuesday, June 19th, 2018 – Ramkota Hotel – Casper Program: 8:30 a.m. - 3:30 p.m., Lunch Included

Registration Form 1st Registrant: List registrant and title:___________________________________________________________

Bank/Firm Name_____________________________________Phone______________________

Address (PO Box)_______________________________________FAX____________________

City/State/Zip___________________________________________________________________

Email Address __________________________________________________________________

Additional Registrant (copy this form for additional registrations)

List registrant and title:___________________________________________________________

Address (PO Box)_______________________________________ Phone___________________

City/State/Zip___________________________________________________________________

Email Address __________________________________________________________________

REGISTRATION FEE: Member Rate: $230 per registrant Non Member Rate: $460 per registrant

PAYMENT OPTIONS: Payment by Check: mail in Send Invoice: fax or email registration Register Online

OVERNIGHT ACCOMMODATIONS: are to be handled by individual attendees. A block of rooms has been reserved for June 18 at the Ramkota Hotel Casper @ 800 N. Poplar Street, Casper, 307/266-6000. Be sure to ask for the room rate of $84.00 under the Wyoming Bankers Assoc. Room Block. Room block expires JUNE 4, 2018.

CANCELLATION POLICY: No refunds will be made after JUNE 4, 2018~~all cancellations prior to 6/4 are subject to a $50 cancellation charge. Substitutions may be made at any time. REGISTRATION DEADLINE – JUNE 4, 2018. MAIL THIS FORM AND CHECK TO: Wyoming Bankers Association, P.O. Box 2190,

Cheyenne, WY 82003 307/638-5008 FAX 307/638-5013

What to Do When a Customer Dies A web-based seminar

Thursday, February 1, 2018 9:00 am – 11:00 am MT

WYOMING BANKERS ASSOCIATION

Program Content: Ironically, when a financial institution learns a deposit or loan customer has died, confusion and dread seem to be the normal reaction. We'll walk you through the complicated process of dealing with a customer's death - both on the deposit side and the loan side, as well as unique issues when doing business with the decedent's estate.

Covered Topics:

What documents are required upon the death of an individual?

What actions should your financial institution take on deposit accounts owned by the decedent?

How should your financial institution deal with the decedent's estate?

What should your financial institution do if there isn't an estate?

How should your financial institution handle "death" as a default on a loan?

How will the new mortgage servicing rules impact mortgage loans where the borrower has died?

What does every lender need to know about doing business with the borrower's estate?

What steps can your financial institution take to protect its collateral after the borrower has died?

How should your financial institution handle issues of guarantors, setoff and insurance once the borrower has died?

How does the death of a key person affect the borrowings of Corporations, Partnerships, Limited Liability Companies, Trusts and other legal entities?

Who Should Attend: New account representatives, personal bankers, customer service representatives, lenders and loan operations personnel. "Well presented and very insightful. The information provided applies to actual day-today operations. Thank you." - Gina W., The Citizens National Bank of Quitman "Very helpful for numerous situations and covered in just a short time." - Cindy S., Western State Bank

Presenter: Terri D. Thomas is Senior VP and Legal Department Director for the Kansas Bankers Association. Prior to this, she was with "Bankers Choice," a financial consulting firm. Before this, Terri was employed in the financial industry for over twenty-three years in various capacities. Most notably, she served for fourteen years as in-house legal counsel and trust officer for Bank of America and its Kansas predecessors. Receiving her Bachelor of Arts degree from Kansas State University in 1985, Terri continued her education at Washburn University School of Law and obtained her Juris Doctor in 1988.

Previously, she served as an adjunct instructor at Washburn University School of Law and the University of Kansas School of Law and is a frequent presenter for banking schools and financial associations. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________

*Email Address: ______________________________ *Please include an email address as this is how your webinar materials will be delivered to you.

Please check one of the following:

“Live” Web connection $265

Additional connection for a branch $75

6-month “OnDemand” website link only $295

CD-ROM and e-materials only $345

Send paper handouts (no charge)

Live plus OnDemand website link $365

Premier Package: Live, OnDemand link, and CD-ROM plus $395

e-materials


Ways to Register: ONLINE: www.bankwebinars.com FAX: (800) 831-3776 PHONE: (800) 831-0678

MAIL: TTS, PO Box 310, Waunakee, WI 53597 Please Do Not fax registrations to the Wyoming Bankers Assoc

Method of Payment:

Please invoice our bank

Check made payable to TTS

Mastercard Visa

Card Number: _________________________________

Expiration Date: _________________ CSC: _________

Signature: ____________________________________ For assistance, please call Cheryl Johnston, (307) 638-5008.

Developing and Organizing an Effective Remote Deposit Capture

Program (RDC) A web-based seminar

Thursday, February 1, 2018 12:30 pm – 2:30 pm MT


Program Content: What is a Remote Deposit Capture Program? Do you need to enhance yours to ensure you have effectively addressed all the key elements? Should you enhance your RDC Agreement, your Suitability Analysis, Risk Assessment process, Site Visit, and the Customer's Self-Assessment? Do you understand how these documents support your overall risk management of RDC and information security? Join us as we outline the detailed information you should consider adding to your documents and processes to support a thorough due diligence, risk assessment, and annual oversight of your customers. The information includes and supports your ongoing risk management of Remote Deposit Capture to mitigate the institution's risk pursuant to the "FFIEC Risk Management of Remote Deposit Capture". In addition, we will discuss ideas and considerations, if you are offering, or planning on implementing, Mobile Deposit Capture (mRDC).

Covered Topics:

Understanding the key elements of your RDC Program

Understanding the FFIEC Risk Management of RDC guidance

Elements of customer due diligence and suitability

Key elements of an effective RDC and mRDC agreement

Effective onsite visits and customer self assessment questionnaires

Information security issues

Customer risk assessment importance

Thoughts and considerations for a mRDC program

FFIEC IT booklet updates

FDIC INTREx program

Who Should Attend: RDC Services Officers, Electronic Banking Officers, Deposit Operations Officers, Treasury or Cash Management Officers, Compliance Officers, Auditors, Chief Technology Officers, and Risk Managers.

Presenter: David H. Ringstrom, CPA, is an author and nationally recognized instructor who teaches scores of webinars each year. His Excel courses are based on over 25 years of consulting and teaching experience. David’s mantra is “Either you work Excel, or it works you,” so he focuses on what he sees users don’t, but should, know about Microsoft Excel. His goal is to empower you to use Excel more effectively. To learn more about David, you can view his LinkedIn profile and follow him on Facebook or Twitter (@excelwriter).

If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials


Ways to Register: ONLINE: www.bankwebinars.com FAX: (800) 831-3776

PHONE: (800) 831-0678 MAIL: TTS, PO Box 310, Waunakee, WI 53597 Please Do Not fax registrations to the Wyoming Bankers Assoc

Method of Payment:



Mastercard Visa

Card Number: _________________________________



Excel Explained: Building Error-Proof Spreadsheets

A web-based seminar Friday, February 2, 2018 9:00 am – 11:00 am MT


Program Content: In this comprehensive session, Excel expert David Ringstrom, CPA, shares a variety of tricks and techniques you can use to improve the accuracy of your Excel spreadsheets. To help you create spreadsheets that are free of errors, David demonstrates how to implement Excel features and functions, such as the Hide and Protect feature, the Conditional Formatting feature, the VLOOUP function, the SUBTOTAL function, and others. In addition, he discusses how to preserve key formulas, perform dual lookups, create self-updating report titles, and more. David demonstrates every technique at least twice: first, on a PowerPoint slide with numbered steps, and second, in Excel 2016. He draws your attention to any differences in Excel 2013, 2010, or 2007 during the presentation as well as in his detailed handouts. David also provides an Excel workbook that includes most of the examples he uses during the webcast. Covered Topics:

Using Conditional Formatting to identify unlocked cells into which data can be entered.

Preserving key formulas using hide and protect features.

Discovering techniques that automatically provide fallback positions in the event you need to see an earlier version of your spreadsheet.

Summing disparate sections of a spreadsheet quickly with the SUBTOTAL function.

Learning a simple design technique that greatly improves the integrity of Excel’s SUM function.

Toggling the Locked status of a worksheet cell on or off by way of a custom shortcut.

Limiting access to sensitive workbooks by way of password protection

Performing dual lookups, which allow you to look across columns and down rows to cross-reference the data you need.

Switching between Custom Views by way of a hidden drop-down list you can enable on Excel’s Quick Access Toolbar.

Using the TEXT function to create report titles that update themselves.

Improving the integrity of spreadsheets with Excel’s VLOOKUP function.

Seeing how to view two worksheets from within the same workbook at the same time.

Learning objectives:

Apply techniques and features that will improve the integrity of your Excel spreadsheets.

State how to hide and unhide multiple worksheets with a single command in Excel.

Apply Conditional Formatting to identify unlocked cells into which data can be entered.

Who Should Attend: Practitioners who wish to learn how to create error-free Excel spreadsheets.

Presenter: David H. Ringstrom, CPA, is an author and nationally recognized instructor who teaches scores of webinars each year. His Excel courses are based on over 25 years of consulting and teaching experience. David’s mantra is “Either you work Excel, or it works you,” so he focuses on what he sees users don’t, but should, know about Microsoft Excel. His goal is to empower you to use Excel more effectively. To learn more about David, you can view his LinkedIn profile and follow him on Facebook or Twitter (@excelwriter). If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



CRE Appraisals: Regulations and the Review Process

A web-based seminar Monday, February 5, 2018

12:30 pm – 2:30 pm MT


Program Content: This session will cover the key issues from the 2010 Interagency Appraisal and Evaluation Guidelines, tips for integrating them into your existing policies, and how CRE appraisals differ from residential reports. Covered Topics:

Overview of guidelines and issues critical to CRE appraisals

o The five minimum standards and what they really mean, as derived from the original 14 points in the Financial Institutions Reform and Recovery Act of 1989 (FIRREA) that govern how banks order and use appraisals

o What is FIRREA? (and other regulatory guidelines still in place)

o Yes, you can use appraisals prepared for other banks

Types of reviews, as suggested by the guidelines o Administrative/compliance review plus a

sample checklist o Technical/internal review plus a sample

checklist o Outside/third party review plus sample

comments o Ideas for setting dollar limits o Why your bank should create an

appraisal/CRE properties database

What about evaluations? o Not just for loans below the dollar thresholds o New (as of 2010) evaluator independence

requirements

Appraisal review outcomes and when to request revisions

Who Should Attend: CRE lenders, commercial lenders, credit analysts, portfolio managers, community bankers, mortgage lenders, private bankers, small business lenders, loan review specialists, special assets officers, lending managers, credit officers and CRE support personnel. Presenter: Richard Hamm has been training bankers for 25 years, designing and delivering courses specializing in commercial lending and credit, including portfolio and risk management, commercial real estate (CRE) and appraisals, plus selling and negotiating skills, and director training. Richard is based in Huntsville, AL and has owned/operated Advantage Consulting & Training for 11 years, after a 22-year banking career including senior positions in lending and credit, plus president through formation and acquisition of a community bank. He has BS and MBA degrees from the University of Alabama. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________

*Email Address: ______________________________ *Please include an email address as this is how your webinar materials

will be delivered to you.









e-materials


Ways to Register: ONLINE: www.bankwebinars.com

FAX: (800) 831-3776 PHONE: (800) 831-0678 MAIL: TTS, PO Box 310, Waunakee, WI 53597

Please Do Not fax registrations to the Wyoming Bankers Assoc

Method of Payment:



Mastercard Visa

Card Number: _________________________________



Train Smarter and More Effectively A web-based seminar

Tuesday, February 6, 2018 9:00 am – 11:00 am MT


Program Content: Training should be more than a checkmark on an attendance list!

Are you tired of staff complaining about ALL THE MANDATORY training they are expected to complete? Does it frustrate you when you see people skip the content of online training and rush through the test? You expect your people to learn, so we are going to put complaining on a diet at your company!

A big way to curb training-resistance is to elevate morale. “Good job” goes a long way but this webinar will also show you ways to reduce job dissatisfaction and increase productivity through effective training. You will learn how to prepare to train smarter with proven, practical and creative solutions and techniques. During this program, you will discover how to design training that

promotes learner involvement. We will tell you why you need to stop throwing as much information as you can at your trainee. You will also learn the proper use and purpose of training manuals.

We will look at how everyone at your organization plays a role in training and teach you how you should explain your learning culture and why you should make it part of your new-hire interviews and annual evaluations.

Covered Topics:

Solicit and keep the support of top management

Help the supervisor understand their role in making training stick

Conduct a needs and audience analysis to determine who, what, why, how, and when

Why it’s important to engage key partners

Identify measurable learning objectives

Apply adult learning principles Take the sting out of mandatory, online training

Stop procrastinating and launch your design for a training program

Establish an environment that is conducive to learning

Set-up fun and creative content opportunities for learner engagement

Discover and use learner-centered training methods

Evaluate the results of your training using a proven method

Identify key components of face-to-face training

Best practices for conducting webinars, phone seminars and video conferencing

Who Should Attend:

Anyone with responsibility for training others. Anyone expected to support trainers.

Presenter: Honey Shelton brings the best of both worlds to her speaking and training engagements. She has 30 plus years of experience as a training and quality improvement consultant for banks and banking associations across the country. Her substantial banking

background includes spending three years as Executive Vice President/Chief Retail Banking Officer with a $1 billion south Texas bank.

Nationally recognized as an outstanding speaker, over a half million bankers have participated in programs Honey has presented. Her depth of knowledge, enthusiasm, and compelling personality have left a lasting mark on InterAction Training, the firm

she founded in 1983.

As a graduate of the School of Bank Marketing from the University of

Colorado, she realizes the value of quality education. Honey invests time as a faculty member for banking schools around the country. She is a repeat presenter for most of the state banking associations and

has accumulated an impressive client list that includes over 600 banks, credit unions, and other organizations. Globally, she presented a program in the south of France for an international, energy-related firm.

Honey has a coaching practice specializing in helping others pursue

professional excellence and is the author of numerous published articles and training manuals. Her first book, Coaching Yourself & Others will be released soon.

Honey continues her personal pursuit of excellence and has obtained certification in Reality Therapy from the William Glasser Institute as well as certification from the Training and Development Program at

Texas A&M. She is an EverythingDiSC Certified Distributor and Trainer.

If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an

OnDemand website link and/or CD-ROM.

Name: ___________________________________________

Bank: ____________________________________________

Adress: __________________________________________

City, State, ZIP: ____________________________________

Phone: ___________________________________________

*Email Address: ___________________________________ *Please include an email address as this is how your webinar materials will be delivered to you.









e-materials




Method of Payment:



Mastercard Visa

Card Number: ______________________________________

Expiration Date:______________________ CSC: _________

Signature: _________________________________________ For assistance, please call Cheryl Johnston, (307) 638-5008.

New Accounts Seminar - Personal Accounts

A web-based seminar Tuesday, February 6, 2018

12:30 pm – 2:30 pm MT


Program Content: Please check back for a description. Covered Topics:

Please check back for covered topics. Who Should Attend: Please check back for who should attend. Presenter: Suzette (Suzie) Jones, CFP® is an associate trainer for Sunwest Training Corp. With 40 years of experience in the financial industry, Suzie most recently served as an Executive Vice President with an $11B financial organization where she was an active member of the AML, BSA, Personal/Corporate Risk and Non-Bank Product Risk committees. Suzie has focused her career on technical expertise in the areas of new accounts risk management, IRAs, qualified retirement accounts and investments. Suzie brings technical information to life with her engaging training style and in-depth knowledge. She holds the Certified Financial Planner (CFP®) professional designation. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________

*Email Address: _______________________________ *Please include an email address as this is how your webinar materials will be delivered to you.









e-materials


Ways to Register: ONLINE: www.bankwebinars.com FAX: (800) 831-3776 PHONE: (800) 831-0678 MAIL: TTS, PO Box 310, Waunakee, WI 53597 Please Do Not fax registrations to the Wyoming Bankers Assoc

Method of Payment:


Check made payable to TTS Mastercard Visa

Card Number: _________________________________



Loan Documentation: Top 10 Mistakes and How to Avoid Them

A web-based seminar Wednesday, February 7, 2018

12:30 pm – 2:30 pm MT


Program Content: This webinar draws upon the speaker’s 25 plus years of teaching loan documentation and practicing law. Experienced bankers will benefit from confirmation of knowing "the right thing to do." New lenders will learn to avoid the most frequent exceptions and loss-causing mistakes.

All types of collateral are covered. Participants will receive a handout that can be used immediately to improve your loan documentation practice.

Covered Topics:

Misclassification of collateral and bad collateral descriptions

Filing the perfection document in the wrong location

Using the wrong borrower/debtor name

Not obtaining the proper authorization documentation

Improper assessment of lien position

Failing to amend your UCC-1

Failing to continue or terminate your UCC-1

Leaving items to post closing or making exceptions

Failing to properly monitor your borrower’s post closing documentation obligations

Inadvertently waiving rights

Who Should Attend: Anyone involved in loan documentation including loan officers, loan assistants and secretaries, loan operations personnel, credit analysts and loan administration personnel.

Presenter:

Robin Russell has practiced law for 29 years and is licensed in Texas, New York and Massachusetts. She is a fellow in the American College of Bankruptcy and of the American Law Institute. She combines a depth of experience in bankruptcy restructuring and litigation with financial transactions. She has represented corporate debtors, independent directors, liquidating trustees, bondholders, unsecured creditors' committees, bank groups, private equity funds, landlords, trade creditors and bidders

for estate assets in Chapter 11 and Chapter 7 bankruptcy proceedings. She has also represented banks, institutional lenders and corporate borrowers in commercial loan transactions and debt restructurings. Robin is the principal author of Thomson Reuters’ Texas Practice Guides for both Creditors’ Rights and Financial Transactions and

the Texas Bankers Association’s Texas Secured Lending Guide, Texas Problem Loan Guide, Texas Real Estate Lending Guide and Texas Account Documentation Guide. She is a frequent speaker on banking, bankruptcy and financial restructuring related topics and has served as a Chapter 7 Trustee. Robin received her LL.M. in Banking Law from Boston University and her J.D. from Baylor University where she was Editor-in-Chief of the Baylor Law Review and the highest ranking graduate in her class. She clerked for the

Texas Supreme Court before beginning her legal career.

If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an

OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials





Method of Payment:



Mastercard Visa

Card Number: _________________________________



FFIEC Information Security Handbook Review A web-based seminar



Program Content: In September 2016, the FFEIC completely rewrote the Information Security Handbook. The Handbook represents an integration of concepts from Cybersecurity Guidance, Management Guidance, and other elements released in the past 10 years. The FFIEC Information Security Handbook is the most comprehensive resource from the FFIEC on constructing an adequate Information Security Program. Information Security Programs are created based on risk assessment processes that assist The Handbook focuses on the governance, culture, and responsibilities to make Information Security Programs successful. The creation of these programs is based on risk assessment processes that assist the institution in making control decisions; these decisions are then documented in policies, standards, and procedures. The last component of a successful program is to ensure the controls are effectively implemented with assurance, testing, and auditing processes. Covered Topics: The following components of the handbook will be reviewed:

Governance of the Information Security Program

Information Security Program Management

Security Operations

Information Security Program Effectiveness

Recurring requirements listed in the FFIEC Booklet Who Should Attend: Information Security Officer, IT Manager, Risk Officer, Internal Auditor, Board members, or other management team members looking to understand the new FFIEC requirements and expectations. Presenter: Chad Knutson is a Senior Information Security Consultant and serves as President of the SBS CyberSecurity out of Madison, SD. SBS is a leader in information security consulting for the financial industry in the US. SBS works with more than 900 banks around the country on information security services such as the development of Information Security Programs, Policies, and Risk Assessments, along with performing IT Audits, Penetration Tests, Vulnerability Assessment and other security services. Chad is a Certified Information Systems Security Professional (CISSP), Certified Information Systems Auditor (CISA) and Certified in Risk and Information Security Controls (CRISC), and received his Bachelor of Science in Computer Information Systems and his Master of Science in Information Assurance with an emphasis in Banking and Finance Security from Dakota State University. Chad has been with SBS since 2004 and has consulted with many financial institutions during this time. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials





Method of Payment:



Mastercard Visa

Card Number: _________________________________



New Accounts Seminar - Business Accounts

A web-based seminar Thursday, February 8, 2018

12:30 pm – 2:30 pm MT




Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________

*Email Address: _______________________________ *Please include an email address as this is how your webinar materials










e-materials



Method of Payment:


Check made payable to TTS Mastercard Visa

Card Number: _________________________________



Masterful Time Management A web-based seminar Friday, February 9, 2018 9:00 am – 11:00 am MT


Program Content: As much as we would like to say we do one thing at a time, we have to face the hard truth that business success is synonymous with multitasking. We need to think back to guide us in the present, and we must look forward to anticipate issues that might arise. The reality of any employee from entry level to chief is this: even the best-laid plans go awry at times, so we need to plan not only proactively but realistically, and we need to schedule not only reactively but creatively. So much depends on our ability to plan our time, experience time efficiently, and plan things forward when our experiences do not go according to plan. Foresight, reliability, adaptability—these are hallmarks of a time master. Covered Topics: Masterful Time Management will equip you with the tools and tips to deal with the challenges of creating the best mindset in hectic environments, getting things done effectively and efficiently, and resolving time-eroding issues as they pop up. Attending this webinar will enable you to achieve the following outcomes:

1. Counter bad habits contributing to time erosion. 2. Use principles of excellent time management. 3. Engage your time management tool regularly. 4. Manage your time creatively and reactively.

Who Should Attend: You will want to attend this webinar if you:

Admire time management skills of others and wonder how they became so masterful

Seek to strike a personal balance in facing multiple deadlines

Want to establish a strategy for planning proactively and realistically

Expect more of yourself when interruptions and emergencies force a change in plans

Presenter: Philip Vassallo has designed, delivered, and supervised communication training programs for a wide range of executive, managerial, administrative and technical professionals in major multinational organizations for more than 30 years. He is the author of the books How to Write Fast Under Pressure, The Art of E-Mail Writing, and The Art of On-the-Job Writing. He also writes the popular blog Words on the Line, which offers practical tips for developing writers. Dr. Vassallo holds a B.A. in English, an M.S. in education, and a doctorate in educational theory. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials





Method of Payment:



Mastercard Visa

Card Number: _________________________________



Consumer Real Estate Loans A web-based seminar

Monday, February 12, 2018 12:30 pm – 2:30 pm MT


Program Content: Step-by-Step Guidance Overwhelmed by the 2014 CFPB changes and the subsequent TRID requirements, many lenders grew to dread consumer real-estate loans. Some lenders stopped offering these loans altogether. In this webinar, Anne will guide terrified lenders and processors through a simple real-estate loan and explain the current compliance rules. This webinar will help you tame those scary real-estate-loan problems and will be particularly helpful to bankers wanting to offer consumer real-estate loans for the first time in several years. The booklet is clear and easy to use...consider it a companion to the popular Best-Ever Consumer Checklists. Covered Topics:

Truth in Lending o Ability to repay and qualified mortgages o Right of rescission o High-cost mortgages o HPMLs o ARMs

TRID requirements

RESPA

HMDA (including the 2018 applicability rules)

Reg B o Copies of appraisals o Intent to apply for joint credit o Monitoring requirements

Flood insurance

Appraisals and evaluations

FACTA credit score disclosures

Insurance disclosures

Military Lending Act Who Should Attend: Lenders, loan processors, compliance officers and loan review personnel Presenter: For over thirty years, Anne Lolley has been simplifying compliance issues for bankers. After earning her law degree from the University of Kansas, she joined the Kansas Bankers Association, where she developed its successful legal department and gave compliance-related seminars. She has been a compliance officer for two banks and currently works with Bank Management Services, where she continues to provide webinars to Kansas bankers. Her expertise at simplifying the complex and creating user-friendly reference manuals has made her a popular instructor. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials





Method of Payment:



Mastercard Visa

Card Number: _________________________________



Box Renter Dies, Who Goes Into the Box?


9:00 am – 11:00 am MT


Program Content: Safe Deposit Box State and Federal Compliance Issues

Improve Your System: Questions regarding deceased renters, payable-on-death clause, living trusts, court orders, Servicemembers Civil Relief Act, USA Patriot Act,

Suspicious Activity Reports, power of attorneys, Americans with Disabilities Act, past due boxes, abandoned property and many other legal and compliance issues have caused great concern and confusion

for the safe deposit industry.

At this workshop you will receive current information about all these issues and an in-depth explanation about how they impact on your financial institution and your safe deposit box renters. David McGuinn,

a former Sr. Vice President/Cashier and nationally known expert in the area of safe deposit, will provide clear concise answers to complicated questions regarding your institution’s responsibility and potential

liability. He will also identify and discuss various compliance issues relating to each legal topic.

Covered Topics: Get answers to the following questions and establish internal

procedures to comply with your own safe deposit requirements.

Who can legally access and remove contents from a

deceased renter’s box?

Can you title a lease as a “living trust” or add a “payable of death” clause?

Does the Servicemembers Civil Relief Act (SCRA) apply to past due boxes?

What seven suspicious safe deposit transactions always trigger a SAR?

How does the USA Patriot Act affect all safe deposit areas nationwide?

What BSA & SAR violations are compliance examiners finding today?

What should we do if dangerous contents are found in a past

due box?

When are box contents sent to the Unclaimed Property

Department?

In most states who must be present when a past due box is

drilled?

How can poor box drilling procedures make a box renter

very rich?

Do you have “Right of Offset” against a past due renter’s

account?

What past due fees can be collected from a delinquent box

renter?

Can you report a past due box renter to a credit-reporting agency?

What careful wording should be used in a FINAL past due notice?

What amount of safe deposit liability insurance should you carry?

How does the American with Disabilities Act affect safe deposit?

How should you answer a renter’s question about

insurance?

Should a power of attorney be used to enter a renter’s box?

Can renters legally store money, guns or drugs in a box?

Who Should Attend:

Safe deposit supervisors, vault attendants, cashiers, branch managers, compliance officers, auditors, training directors, new account personnel and your in-house legal counsel.

Presenter:

David P. McGuinn, President of Safe Deposit Specialists, is a former banker with over 45 years of safe deposit experience and is often

referred to nationwide as the safe deposit GURU. In all 50 states he has trained over 350,000 safe deposit employees and managers and

has served the industry as President of AIB and the American, Texas and Houston Safe Deposit Associations. Dave is a featured speaker for the American Bankers Association and National Association of

Federal Credit Union TV networks and over 100 nationwide financial associations. He has been interviewed by the Wall Street Journal, Money Magazine, New York Magazine, Associated Press, National

Public Radio (NPR), British Broadcasting Corp. (BBC), AARP, Bottom Line Financial, FDIC, CUNA, CNN, CBS, ABC, FOX, NBC Nightly News, Inside Edition and Court TV on current safe deposit issues.

McGuinn has created numerous video training programs and his Regulatory/Compliance Manual, Policy and Procedures Handbook and Disaster Recovery manuals are now the accepted standard for the

industry.


Name: ___________________________________________

Bank: ____________________________________________

Adress: __________________________________________

City, State, ZIP: ____________________________________

Phone: ___________________________________________

*Email Address: ___________________________________ *Please include an email address as this is how your webinar materials










e-materials




Method of Payment:



Mastercard Visa

Card Number: ______________________________________



New Accounts Seminar - Trust and Fiduciary


12:30 pm – 2:30 pm MT




Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials



Method of Payment:

Please invoice our bank Check made payable to TTS

Mastercard Visa Card Number: _________________________________



Regulation CC - Check Holds A web-based seminar

Wednesday, February 14, 2018 12:30 pm – 2:30 pm MT


Program Content: New Changes Coming on Part C - Check Collections Regulation CC is the regulation governing the availability of funds for transaction accounts and the holds that financial institutions can place on checks. This regulation was passed in 1988 and continues to be one of the toughest compliance problems in financial institutions around the country. Can we place a hold on a cashier’s check? How many days can we hold checks on a new account? Does this apply to business accounts? Do we have to give the hold while the customer is there or can we mail it later? These questions will all be addressed in this informative and easy to follow program for the frontline. You'll need a copy of your hold form and Regulation CC disclosure to follow this frontline program. Covered Topics:

Purpose of the regulation

What is a transaction account?

Availability Schedules

Business versus banking days, Transaction Accounts and more definitions

How to count days and place holds

Next day items versus other checks

Case by Case holds

Exception Holds

Hold Notices and how to complete

New Accounts exception

Common errors on holds Who Should Attend: All tellers, teller managers, cashiers, customer service representatives, back of bank operations, branch managers and compliance officers "Deborah Crawford is always easy to listen to and she explains things the way I can understand them. I don't feel silly asking what may seem like simple questions, she has always answered them kindly." --Lisa K., Independence State Bank Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of combined teaching and banking experience. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials





Method of Payment:



Mastercard Visa

Card Number: _________________________________



Compliance Rules for Commercial Loans Secured by Real Estate


9:00 am – 11:00 am MT


Program Content: Which regulations apply to commercial loans that are secured by real

estate? Are there any exceptions when the real estate is taken as "an abundance of caution"? Do the commercial lenders and support staff at your bank understand the data collection required for HMDA reportable

applications? Is a written application required for a business purpose loan? Join this fast-paced webinar to understand the application process with step by step instructions and actual examples that explain

the requirements of applicable regulations in terms that are easy to understand. New HMDA rules became effective on January 1, 2018. If your financial institution is required to report under the new rules, are

you in compliance for covered business purpose applications?

Covered Topics:

What factors determine if the application is for business purpose or consumer purpose?

What are the compliance requirements when real estate is taken as collateral?

Review of the required disclosure for the "Right to Receive a Copy of Appraisal." Who gets the notice and what are the timing rules? This DOES apply to 1st lien loans of 1-4 units, regardless of purpose; there is no "business-purpose" exception.

What are some common compliance violations in the commercial loan area when real estate has been taken as collateral?

Review of the HMDA requirements and review of the changes to business purpose loans for the extensive HMDA rules that became effective January 1, 2018.

Coverage issues – Which COMMERCIAL applications are covered loans that require data to be collected at the time of application? What types of dwellings are included? Best practices for documenting that applications for agricultural purpose are EXEMPT for HMDA reporting in 2018. However, other compliance requirements still apply for real estate secured agricultural loans!

What data will be reported? What data will be excluded for business applications? Business purpose loans have many fields that are “not applicable”.

Suggestions for potential problems with collecting, reporting, and validating the data fields for “applicant” and applications in these required fields and understanding when they may NOT be reported:

o Age for applicants who are “natural persons”, for example a sole proprietor

o Income – when is reporting required?

o Reasons for denial – potential problem area for commercial applications

o Application date

o Ethnicity, race and sex

Disaggregation of ethnicity and race

Flood insurance violations can be costly. What are some of the unique challenges with commercial buildings and collateral?

There are four "trip wire" events for flood insurance. Learn about the revised rules for "detached structures on residential property", this can include business purpose loans.

BONUS TOOLS

Matrix of 28 loan types; required disclosures for both consumer and commercial loans with explanations about real estate secured loans.

Checklists that outline which compliance regulations apply to commercial credit and the exemptions for certain rules.

HMDA flowchart and tips for 2018 reporting activity

Flood insurance resources

Who Should Attend:

This informative session is designed for Commercial Lenders, loan assistants and processors, loan operations staff, compliance officers, and auditors.

Presenter: Susan Costonis is a compliance consultant and trainer. She specializes in compliance management along with deposit and lending regulatory training.

Susan has successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by the OCC, FDIC, and Federal Reserve. Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and “translates” complex regulations into simple concepts by using humor and real life examples.


Name: ___________________________________________

Bank: ____________________________________________

Adress: __________________________________________

City, State, ZIP: ____________________________________

Phone: ___________________________________________

*Email Address: ___________________________________ *Please include an email address as this is how your webinar materials










e-materials




Method of Payment:



Mastercard Visa

Card Number: ______________________________________



Mapping Multi-Tiered Business Accounts


12:30 pm – 2:30 pm MT


Program Content: Learn how to open multi-tiered business accounts. Complex business structures with multiple business entities owners present unique challenges in light of new Customer Due Diligence (CDD) rules. We will diagram and map out several complicated business structures and learn how to get the proper documentation, resolutions and beneficial ownership in these unique entities. Covered Topics:

Case Study #1 An LLC with Five Corporate Owners

Case Study #2 A partnership with three LLCs as partners

Case Study #3 An LLC with another LLC as the single member owner

Case Study #4 A single member LLC with an individual as the owner

Case Study #5 A corporation dba another entity

Case study #6 A sole proprietorship owned by a trust

Case Study #7 A single member LLC with an individual as the owner

New beneficial ownership rules

Learn how to stack complicated paperwork

Taxpayer identification rules on entities and disregarded entities

Who Should Attend: This webinar will benefit BSA officers and staff, deposit operations, new account representatives, branch managers, branch personnel, training and security. BSA Officer, Deposit Operations, New Accounts Representatives, Branch Managers, Branch Personnel and training. Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of combined teaching and banking experience. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________

*Email Address: _______________________________

*Please include an email address as this is how your webinar materials will be delivered to you.









e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Writing an Effective Credit Memorandum


12:30 pm – 2:30 pm MT


Program Content: After a detailed credit analysis of a loan request has been performed,

it's now time to communicate your findings in writing. Credit memoranda are a primary means of communication within the banking industry. When writing effective credit memoranda, it's not what you

say that commands attention, but how you say it. Credit memoranda serve three functions: 1) they provide information on the condition and status of a customer relationship; 2) they provide a record of thoughts

and actions; and 3) they support or recommend action. This course teaches skills required to write an effective credit

memorandum. Learn to emphasize important factors and trends without stating the obvious. In short, your credit memoranda should present relevant, material facts, along with your thoughts and opinions.

Remember, anything you write in a credit memorandum will become public record if you find yourself in court with a borrower.

Covered Topics:

Balance Sheet analysis

Income Statement analysis

Cash Flow analysis

Calculating and interpreting financial ratios and cash flow

Using analysis to determine the Financial Impact of changes

in financial factors

Questions to raise with the customer after the credit analysis

is completed

Outline of relevant factors to include in a credit

memorandum

How to report your finding efficiently and effectively in credit

memoranda

Apply the concepts to a study case

We'll also explore underwriting and reporting on Commercial Real Estate, Construction Loans, Acquisition and Development Loans and

Multi-Family Unit loans. Samples of proven credit memos will be examined to insure bankers are covering the areas required by banking regulators. Learn to:

1. Strengthen your understanding of credit analysis 2. Clearly describe the Financial Impact of changes in financial

factors, and not just report on what changed

3. Interpret financial trends and financial ratios 4. Write succinct and focused credit memoranda 5. Meet with management armed with relevant questions and

issues to be addressed 6. Feel more confident in defending a recommended course of

action based on relevant facts and not instinct

Who Should Attend: Commercial Loan Officers, Consumer Loan Officers, Credit Analysts,

Loan Review Personnel, Compliance Officers, Internal Auditors, Branch Managers

Participant should have some experience or prior class work in analyzing financial statements and/or credit analysis.

Presenter: Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial

Banking Division Manager for Citizens Trust Bank of Atlanta. Most of his career has been spent in Credit Administration, Lending,

Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth

Individual, Middle Market Companies, Small Business, Real Estate and Non-Profit Organizations.

Mr. Johnson is now a training professional in the financial industry by leading various seminars covering important topics relating to issues in financial institutions. He teaches actively for fifteen state banking

associations in the United States, Risk Management Association (RMA) and individual financial institutions nationwide. He co-authored a training course entitled "Lending to Service and Other Professional

Organizations" for RMA in 2001. Mr. Johnson earned a B.A. Degree in Accounting from Morehouse

College in Atlanta; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking diploma from Prochnow School of Banking at the University of Wisconsin and a Graduate Certificate in

Bank Management from the Wharton School of Business at the University of Pennsylvania.


Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



ACH Rules Update A web-based seminar

Wednesday, February 21, 2018 9:00 am – 11:00 am MT


Program Content: The ACH Rules continue to change, providing you new opportunities. The ACH (Automated Clearing House) Rules have changes that go into effect four times per year. In 2018 Same Day ACH becomes final with the last of the implementations. There are of course other changes as well, that you’ll want to make sure you understand. You'll want to join us to make sure that you are not only compliant with the ACH Rules, but understand the new opportunities are available with the changes. ACH is a product that is available to financial institutions of all sizes. Covered Topics:

The late 2017 ACH Rule changes

Same Day ACH: Phase Three o Discuss Opportunities with Same Day ACH

Third-Party Sender registration requirement

The ACH Rules changes effective in 2018

Review NACHA Initiatives o SDA Enhancements o DFI Messaging o And more…

Who Should Attend: This course is designed for compliance personnel, auditors, operations personnel, senior management and all others interested in gaining knowledge on ACH topics. Presenter: Mary Kate Cole, AAP, CAE, principal of MK Cole Consulting, has nearly two decades of bank operations experience. Kate is an experienced ACH Auditor as well as speaker on payments related topics. She was VP of the Upper Midwest ACH Association for over 15 years. At that time, she was responsible for member education, ACH Audits and problem solving as well as ACH Development projects. Kate has been active in several National ACH Association Rules Work Groups over her career. She is a popular speaker at both local and national conferences on electronic payments related topics. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Open-Ended Lines of Credit - Compliance Issues A web-based seminar

Wednesday, February 21, 2018 12:30 pm – 2:30 pm MT


Program Content: Complying with the open-ended provisions of Regulation Z is a complicated issue. There are many intricate requirements to follow, from disclosures, servicing, and advertising. Plus, there are differing requirements depending on whether the plan is a home equity line of credit (HELOC), credit card plan, or personal or overdraft line. This webinar will focus on the personal/overdraft lines and HELOC requirements. We will discuss how to ensure all the Reg. Z rules are followed, especially around disclosures. We'll also touch on some of the other rules that impact HELOCs, such as appraisal rules and the coming HMDA requirements. Covered Topics:

Determining basic coverage of lines of credit under Reg. Z and other consumer protection rules

Changes in terms - "significant changes"

Treatment of credit balances

Disclosing variable rate plans

HELOC special provisions, including right of rescission

Advertising open-ended credit plans, including marketing to college students

Servicing - periodic statements

Real estate laws and regs for HELOCs

Fair lending implications (there are some!)

And much more Who Should Attend: Anyone in the institution having responsibilities in offering, underwriting or servicing consumer-purpose open-ended credit plans, including loan officers, processors, clerks, closing agents, and so forth. Also compliance officers and counsel will benefit from the information provided in this webinar. Presenter: Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials





Method of Payment:



Mastercard Visa

Card Number: _________________________________



Ransomware and Cyber Extortion A web-based seminar



Program Content: As you can see from watching the news, ransomware trends continue to rise. Security company Carbon Black reported that ransomware sales on the DarkWeb increased 2,502% since 2016. They are suggesting that over $6 Million in Ransomware software was sold between cybercriminals. These sales are causing massive increases in fraud which the FBI estimates at around 6 Billion in losses, a dramatic increase over the previous year’s $24 Million. Specific case studies like FedEx have claimed a $300M loss in their 4th quarter 2017 financial report from ransomware infections. Join us to recap the statistics related to ransomware and learn how to prepare for this growing threat. Numerous published best practices will be reviewed to assist our institutions to build stronger defenses. Lessons learned from case studies captured from real world ransomware tragedies will be reflected on. More cases such as WannaCry, NotPetya, and Bad Rabbit will emerge and plague our institutions and customers. Covered Topics: In this session we will review the following items to build our understanding of ransomware and how best to defend against it:

Ransomware Trends

How infections begin

Common Strains

Best Practices

Lessons Learned

Regulatory Guidance and Expectations

Ransom Payment Methods

Growing Cyber Extortion cases

Free Ransomware Toolkit Who Should Attend: Information Security Officer, IT Manager, Risk Officer, Internal Auditor, Board members, or other management team members looking to understand risks from Ransomware. Presenter: Chad Knutson is a Senior Information Security Consultant and serves as President of the SBS CyberSecurity out of Madison, SD. SBS is a leader in information security consulting for the financial industry in the US. SBS works with more than 900 banks around the country on information security services such as the development of Information Security Programs, Policies, and Risk Assessments, along with performing IT Audits, Penetration Tests, Vulnerability Assessment and other security services. Chad is a Certified Information Systems Security Professional (CISSP), Certified Information Systems Auditor (CISA) and Certified in Risk and Information Security Controls (CRISC), and received his Bachelor of Science in Computer Information Systems and his Master of Science in Information Assurance with an emphasis in Banking and Finance Security from Dakota State University. Chad has been with SBS since 2004 and has consulted with many financial institutions during this time.


Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Vital Check and Deposit Issues - Two Part Series


12:30 pm – 2:30 pm MT


Program Content: This is a two-part series. The prices below are including both sessions. Each session can also be attended individually. Covered Topics:

Vital Check and Deposit Issues - Part I February 22nd, 2018

12:30 pm - 2:30 pm CT Every single day the frontline handles routine matters that can cost your financial institution thousands of dollars if there is an error. For example, your teller may take deposits and fill out deposit slips for customers, but what will happen if the deposit goes into the wrong account and checks are bounced because of the teller’s action? What if an authorized signer on a personal account deposits his check into the account and it is returned? Can a joint owner withdraw funds from an account if he or she never signed the signature card contract? These operational and day to day dealings with your customer may lead your institution into liability without anyone’s knowledge till there is a lawsuit. Who on deposit accounts can do what with the checks? The answers you have wanted to know and the reasons why. You will receive the 10 Simple Rules to Handle Checks that can save you worry, litigation and money.

Vital Check and Deposit Issues - Part II April 5th, 2018

12:30 pm - 2:30 pm CT In this webinar, we will continue to delve into common questions and answers that your frontline has about checks and deposits. This program is a deeper dive. You will also have time to get your questions to us before the program so they will be addressed in the presentation plus there will be ample time for further discussion during the two hour webinar. Before the webinar, submit your questions to [email protected] and your speaker will answer those questions during the course of the presentation. Who Should Attend: This webinar will benefit new accounts representatives, customer service representatives, branch managers, branch administration, compliance and anyone who works with deposit signature cards. Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of combined teaching and banking experience. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Vital Check and Deposit Issues - Part I


12:30 pm – 2:30 pm MT


Program Content: This is the description from our webinar that was presented in March 2017. Please check back for a modified description. Topics may be updated, but registration is now open.

Every single day the frontline handles routine matters that can cost your financial institution thousands of dollars if there is an error.

For example, your teller may take deposits and fill out deposit slips for customers, but what will happen if the deposit goes into the wrong account and checks are bounced because of the teller’s action? What if an authorized signer on a personal account deposits his check into the account and it is returned? Can a joint owner withdraw funds from an account if he or she never signed the signature card contract? These operational and day to day dealings with your customer may lead your institution into liability

without anyone’s knowledge till there is a lawsuit. Who on deposit accounts can do what with the checks? The answers you have wanted to know and the reasons why. You will receive the 10 Simple Rules to Handle Checks that can save you worry, litigation and money. Covered Topics:

Can one customer deposit into another customer’s account? Can you deposit a personal check into a business account?

Can you deposit a minor check into his mom's account? Can you deposit a check made payable to mom into a child’s UTMA account?

Can an owner of a business cash a check made payable to the business?

Can a business owner get "less cash" of a deposit?

Can you put a stop payment on a check made payable to cash?

How can a business get "petty cash" without making the check payable to cash?

What is a "third party check"? Can we cash or deposit a third party check?

Can an authorized signer, agent or convenience signer on a personal account cash his or her own paycheck against the account? Can an authorized signer get a balance? Take all the money?

Do we have to pay attention to the words "VOID AFTER 90 Days"?

Can we pay a stale dated item? Can we pay a postdated item?

Can we deposit a check made payable to a deceased customer into his or her joint account?

Can checks made payable to "The Family of John Doe" go into John Doe's account with his spouse?

Can we open an account with a check made payable to the bank? Can we cash a check made payable to the bank?

What does "FBO" mean on a check?

How should a person with a POA document endorse a check?

Can a check made payable to a person be deposited into the living trust after death?

Who Should Attend:

This webinar will benefit new accounts representatives, customer

service representatives, branch managers, branch administration, compliance and anyone who works with deposit signature cards.

Presenter:

Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of combined teaching and banking experience. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Dealing with Appraisals: Regulations and Requirements A web-based seminar

Friday, February 23, 2018 9:00 am – 11:00 am MT


Program Content:

The past few years have seen significant developments in real estate appraisals and evaluation rules and regulations. Revised Interagency Guidelines and new rules under Reg Z have been issued, and we've seen additional requirements finalized recently due to Dodd-Frank. In some cases (called "flipping transactions"), lenders will even have to obtain two appraisals on the same

property for one loan. Because breakdowns in appraisal practices have been partly blamed for the mortgage crisis, regulators have raised their expectations; lenders' appraisal and evaluation programs must include more elements than ever before. Some themes now emphasized by the agencies are independence of the appraiser, and evaluator, reviews, and qualifications.

There are also restrictions against using AVMs (automated valuation models), BPOs (broker price opinions), and tax valuations that have upset many in the industry. Do you know the requirements? We'll provide in-depth details of the appraisal and valuation process, from both the lender and appraiser side of the game, to provide a thorough understanding of

what is required and what you need. Covered Topics:

CFPB mortgage regulations under Reg Z - additional requirements for certain loan types

Regulations and Interagency Guidelines - requirements for lenders and brokers

Clarified independence requirements and their importance to examiners

The many forms of appraisals and evaluations - what can you use and when? AVMs and BPOs aren't what they used to be

Can you accept a previous appraisal? Dealing with "readdressed" and "transferred" appraisals

USPAP rules and standards - how do appraiser rules influence what lenders must do?

How to achieve appraiser independence - you've got to prove it

Anti-coercion and undue influence provisions of Reg Z - what can you NOT do (or say)?

Who Should Attend:

Real estate lenders, compliance officers, auditors, underwriters,

appraisers (in-house or external), closing agents, management, and anyone else involved in the real estate or residential lending process with a need to understand the current state of appraisal regulation and requirements. "Carl is an excellent speaker. If you have additional questions, he

always follows up!" - Brenda P., Northampton Cooperative Bank Presenter:

Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to

and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________










e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



Basic Personal and Business Tax Return Analysis

A web-based seminar Monday, February 26, 2018

12:30 pm – 2:30 pm MT


Program Content:

Attend this proactive seminar to gain an understanding of the often complex and confusing topic of TAXES! Bank personnel are required to obtain and properly interpret tax returns for both commercial and consumer lending purposes. The first part of this seminar will concentrate on personal tax return

analysis, and the second part will focus on analysis of various business tax returns. Covered Topics:

In the FIRST part, we'll:

Review the basic structure of the personal 1040 federal tax return (including the various schedules and K-1 forms),

Use analysis techniques to prepare a personal cash flow from information gleaned from the 1040 and the related schedules

Discuss updates in the current tax code and how they affect the bank’s clients, and

Describe how the 1040 tax return can be used to market the bank’s products and services.

In the SECOND part, we'll:

Discuss the structure of a C corporation, S corporation, and Partnership (including LLC) tax return,

Analyze business tax returns and prepare cash flows for these entities,

Draw additional information from the business returns including identifying fraudulent tax returns, and

Discuss updates in the current tax code as they apply to businesses.

Who Should Attend:

Commercial lenders, credit analysts, consumer lenders, loan documentation specialists, branch managers, assistant branch managers, private bankers, and business development officers Presenter:

David L. Osburn is the founder of Osburn & Associates, LLC, a Business Training and Contract CFO Firm that provides seminars, webinars, and keynote speeches for CPAs, bankers, attorneys, credit managers, and business owners on topics such as Banking/Finance/Credit, Negotiation Skills, Marketing, and Management Issues. Mr. Osburn’s Contract CFO clients include medical practitioners, financial institutions, law firms, CPA firms, architects, real estate developers, and contractors.

His extensive professional background of over 30 years includes 18 years as a Business Trainer/Contract CFO and 16 years as a bank commercial lender including the position of Vice President/Senior Banking Officer. His banking credentials include loan underwriting, loan “work-out”, management, and business development. Mr. Osburn has been an adjunct college professor (MBA and undergraduate courses) for over 30 years including the College of Southern Nevada. He holds an MBA from Utah State University, a BS in Finance from Brigham Young University, and is a graduate of the ABA National Commercial Lending School held at the University of Oklahoma. Additionally, Mr. Osburn holds the professional designation of Certified Credit & Risk Analyst (CCRA) as granted by the National Association of Credit Management (NACM).


Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials





Method of Payment:



Mastercard Visa

Card Number: _________________________________



BSA Emerging Issues 2018 A web-based seminar

Tuesday, February 27, 2018 12:30 pm – 2:30 pm MT


Program Content: 2018 brings new and emerging BSA issues to the forefront for examinations. These issues will continue to challenge BSA professionals to stay ahead of the curve in managing risk for your entity. Covered Topics:

Cybercrimes and the Dark Web

CDD and Beneficial Ownership—where are we now?

CTR Changes

SARs, date field proposed changes, narratives and crimes

Responding to negative news

North Korea red flags

Human trafficking

Elder fraud

Banking marijuana related businesses

High risk customers and monitoring

And much much more… Who Should Attend: BSA Officers, BSA support staff, compliance, training and security officers Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of combined teaching and banking experience. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________

*Email Address: _______________________________ *Please include an email address as this is how your webinar materials will be delivered to you.









e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



It’s Time for a TRID Check Up A web-based seminar

Wednesday, February 28, 2018 9:00 am – 11:00 am MT


Program Content: It’s been about a year and a half since the TILA RESPA Integrated Disclosures went into effect. Do you still have questions? Do you feel like you’re in need of a TRID check up? Well, you are in luck! We’ve put together a comprehensive two-hour TRID check-up webinar, which will translate, in plain English, requirements, interpretations, latest guidance and best practices. Covered Topics:

The Latest CFPB Updates

Application Dates (TRID vs. ECOA vs. HMDA)

The Broader Coverage Effects of TRID

Shopping (the List & Loan Estimate vs. Closing Disclosure)

TRID Purpose Confusion

Construction Loans

Owner’s and Lender’s Title Insurance in Plain English

Calculating Cash to Close

Changed Circumstances (Shopping, 10% & the Black Hole)

The “Good Faith” Standard

Tolerance Cures

And Much, Much More! Who Should Attend: Consumer real estate loan officers, loan processors, and compliance and audit personnel. "The examples were real good and easily understood." -- Stephanie Kofron, Western States Bank Presenter: A Certified Regulatory Compliance Manager (CRCM), Jerod Moyer's experience includes over 15 years in the regulatory compliance field. He has held compliance positions with an $800 million community bank and an $840 million five-bank holding company. Jerod's passion for and experience in the compliance profession allow him to take complex regulatory requirements and provide realistic solutions. Jerod is the leader of Banker's Compliance Consulting's seminar and training productions. An accomplished teacher, he conducts compliance seminars for Banker's Compliance Consulting. Jerod has also been a speaker for the American Bankers Association, many state banking associations and schools, and various webinars. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



ACH Origination and Same Day Entries

A web-based seminar Wednesday, February 28, 2018

12:30 pm – 2:30 am MT


Program Content: What are your responsibilities and warranties? Whether you are just starting your ACH Origination program or have numerous customers, you need to understand Article Two of the ACH Rules. Join us and learn how to decipher the SEC Codes, how the products work and what your warranties are. The ACH Rules were written so the Originating Depository Financial Institution (ODFI) carried the origination responsibilities and warranties. As the ODFI, you pass those onto your Originators through a contract. You are still, however, ultimately responsible and you must know the warranties. In this session, we are going to review the general origination warranties and then dive into the Standard Entry Class (SEC) Codes. We'll look at the authorization requirements, format and specific warranties for each of the SEC Codes. We will also discuss the new Same Day ACH and how your origination business may change with this option. Join us and learn how to decipher the SEC codes, how the products work and what your warranties are. Covered Topics:

ACH Rule warranties for origination

ACH authorizations by SEC Code

The impact of Same Day ACH

Specific warranties for each SEC Code

ACH Formats by SEC Code Who Should Attend: This course is designed for compliance personnel, auditors, operations personnel, senior management and all others interested in gaining knowledge on ACH Origination and SEC codes. Presenter: Mary Kate Cole, AAP, CAE, principal of MK Cole Consulting, has nearly two decades of bank operations experience. Kate is an experienced ACH Auditor as well as speaker on payments related topics. She was VP of the Upper Midwest ACH Association for over 15 years. At that time, she was responsible for member education, ACH Audits and problem solving as well as ACH Development projects. Kate has been active in several National ACH Association Rules Work Groups over her career. She is a popular speaker at both local and national conferences on electronic payments related topics. If you are unable to attend the webinar but would like to have this information for training purposes, you may also purchase an OnDemand website link and/or CD-ROM.

Name: _______________________________________

Bank: _______________________________________

Adress: ______________________________________

City, State, ZIP: _______________________________

Phone: ______________________________________











e-materials




Method of Payment:



Mastercard Visa

Card Number: _________________________________



OnDemand Compliance Webinars

Available Webinars

Annual Training On-Demand Webinar$200 for WBA members

Looking for a convenient way to train your employees? No time to develop your own training materials? This two-part on-demand webinar (deposits/lending) covers required annual training topics. Both webinars are pre-recorded and can be used by your institution as needed - such as a “bank training day” held on a legal holiday or as new staff is added. Meet the majority of your annual regulatory training requirements by purchasing one or both of the webinars. Each webinar link will be accessible for up to 12 months. The $200 registration fee per webinar includes access to the webinar segment purchased and the power point presentation with commentary. The link allows unlimited replay for up to one year.

This two-part series provides high-level annual training for bankers in retail deposit, lending, operations and management. The first two-hour webinar focuses on deposit related topics involving mandatory reporting requirements under the Bank Secrecy Act, challenges with Reg. Edisputes and opt-in rules, Reg. CC hold examples and more.

Part-two focuses on annual training requirements for lending related functions. This two-hour webinar provides training on the Bank Secrecy Act specifically targeted to lending personnel, a fair lending review and update, a review of Reg. Z’s ability-to-repay requirements, recent changes to the flood rules and an overview of the mortgage disclosure changes.

Retail Deposit Segment - Part One:

• BSA – retail and operations focus (includes CTRs, SARs, CDD/EDD, AML, and CIP)• Reg. E (EFTA) – Error resolution and opt-in requirements• Reg. CC (Funds Availability) – hold types and time frames, coverage, and system validation tips• Reg. DD (Truth in Savings) – terminology, change in terms• Advertising and UDAAP

Presenters:Julie Gliha, MBA, CRCM, VP of regulatory compliance for Iowa Bankers AssociationJohn Gorenson, CRCM, Compliance Coordinator for Iowa Bankers Association

Lending Segment - Part Two

• BSA – lending and loan operations focus (includes CIP, AML, and SARs)• Fair Lending – recent enforcement actions, joint intent, same sex marriages• Ability to Repay (ATR) – documentation, modifications, assumptions• Integrated Disclosures – changes in forms and processes, preparation• Flood – Biggert Waters/Homeowners Flood Insurance Affordability Act, detached structures, and multi-family coverage updates

Online registration is available here.

BSA for Directors OnDemand Webinar$150 for WBA members

Wondering if there is an inexpensive and convenient way to train your Board of Directors on the requirements of the Bank Secrecy Act? Now there is. Register for this 25 minute on-demand training session specifically designed for the Board, educating them on the high-risk areas identified in the Bank Secrecy Act. Your link will allow repeated access to this session for up to twelve months.

This webinar includes information on -

• BSA Compliance Program• AML Compliance Program• Board’s Role in BSA/AML Program• Non-Compliance Risks and Penalties

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Online registration is available here.

http://www.iowabankers.com/aspx/iba/eventregistration.aspx?ed_key=3521

http://www.iowabankers.com/aspx/iba/eventregistration.aspx?ed_key=3390

Certified Banking

Security Manager™ Course begins February 5

Self-paced, 10 weeks to complete.

Core Certification Price: $1,295.00

Register

Certified Banking

Security Executive™ Course begins February 12


Core Certification Price: $1,295.00

Register

Certified Banking

Forensics Investigator™ Course begins February 26


Core Certification Price: $999.00

Register

WHAT YOU WILL LEARN:

U.S. Information Security Laws and Regulations

Information Security Program Components

Security Awareness Programs

IT Audit

Social Engineering

Preparing for your IT Examinations

Running Effective IT and Audit Committees

WHAT YOU WILL LEARN:

Hot Topics in Technology, Security, and Fraud

Risk Management

Policy and Procedures

Audit Programs

WHAT YOU WILL LEARN: Data Retention

RAM Acquisition

Forensic Tools

Internal Investigation

Windows Forensics

Email Investigation

https://certification.sbscyber.com/store/252270-cbsm-certified-banking-security-manager#description

https://certification.sbscyber.com/store/251075-cbse-certified-banking-security-executive#content

https://certification.sbscyber.com/store/251489-cbfi-certified-banking-forensics-investigator#content

AIB Diploma/Certificate Application Please evaluate my eligibility for the following diploma/certificate:

_______________________________________________________________ (Please write the title as it appears on the WBA website: www.wyomingbankers.com)

Your Name (as it will appear on Diploma/Certificate) ___________________________________________________

Title __________________________________ Last 4 Digits of SSN ______________________________

Present Employer _______________________________________________________________________

Branch Street Address ___________________________________________________________________

City _________________________________ State ___________ Zip Code _______________________

Phone Number (______) ______ - ______ Fax Number (______) ______ - ______

Email Address _________________________________________________________________________

Your congratulatory letter and award will be sent to your CEO or a local Senior Manager. A copy of the congratulatory letter will be sent to you.

Please submit to the following address:

Wyoming Bankers Association P.O. Box 2190 Cheyenne, WY 82003


https://wyomingbankers.site-ym.com/

GSB Online Seminars February 2018

Co-Sponsored By: The Graduate School of Banking at the University of Wisconsin-Madison and the Wyoming Bankers Association

&

Upcoming Programs (listed in start date order): For additional information— including detailed seminar descriptions and presenter bios— and to register online, please visit http://gsb.virtualvenues.com/store

New Beneficial Ownership Implementation February 1 at 9:00-10:00 a.m. Mountain Time Price: $225 On May 11, 2018, the final rule issued by the Financial Crimes Enforcement Network (FinCEN) w implemented, which will require financial institutions to put in place policies and procedures to comply with the beneficial ownership rule. The rule requires a covered financial institution to adopt due diligence procedures that will require identification and verification of a legal entity’s beneficial owner(s) at the time of account opening. This is the most significant change since the implementation of the USA PATRIOT Act and will affect all areas of your institution, such as front-line staff, commercial lenders, board of directors, and compliance staff. Target Audience: New account personnel, BSA Officers, compliance officers, auditors and others with responsibilities for monitoring BSA related activities

Regulatory Risk in Digital Transformation February 1 at 1:00-2:00 p.m. Mountain Time Price: $225 Digital data transformation is happening today and with it, new entrants have arrived from the FinTech side of the equation. Separately, the continual efforts to enhance customer experiences result in leveraging new technology and relying on innovation to close the gaps. This is an overview of the underlying regulatory risks with case examples and suggested risk controls for future utilization. Target Audience: IT managers, compliance officers, senior management

Loan Structure, Documentation and Compliance Training – a Comprehensive Approach February 6 at 9:00-10:30 a.m. Mountain Time Price: $275 Attend this proactive seminar and receive a thorough overview of commercial lending requirements from a loan structure, documentation, and compliance perspective. Basic business structure will be presented along with loan structure and loan support. Additionally, commercial lending issues relative to loan documentation will be reviewed. Loan pricing and monitoring will also be covered along with a review of current compliance issues. The seminar will be summarized through a comprehensive case study.

http://gsb.virtualvenues.com/store

http://gsb.virtualvenues.com/store/280542-new-beneficial-ownership-implementation-sp18

http://gsb.virtualvenues.com/store/280542-new-beneficial-ownership-implementation-sp18

http://gsb.virtualvenues.com/store/281177-regulatory-risk-in-digital-transformation-sp18

http://gsb.virtualvenues.com/store/281177-regulatory-risk-in-digital-transformation-sp18

http://gsb.virtualvenues.com/store/279958-loan-structure-documentation-and-compliance-training-a-comprehensive-approach-sp18

http://gsb.virtualvenues.com/store/279958-loan-structure-documentation-and-compliance-training-a-comprehensive-approach-sp18

Objectives:

Review basic business structure: C Corporations to LLC’s

Explore the six elements of loan structure: loan purpose, sources of repayment, adequate amount, appropriate term, adequate support, framework for monitoring

summarize the four elements of loan support: collateral, guaranties, loan agreements, subordination agreements

Highlight commercial loan documentation issues including promissory notes, security agreements, and guaranties along with the use of the BSA loan rating, collateral rating, and C&I borrower rating matrixes

Discuss loan pricing and monitoring issues

Review current compliance issues: Equal Credit Opportunity Act (Reg B), Truth in Lending Act (Reg Z), Bank Secrecy Act (BSA), Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act, and UCC Article 9

Analyze comprehensive loan structure/documentation/compliance case study Target Audience: Commercial lenders, credit analysts, loan documentation specialists, branch managers, assistant branch managers, private bankers, and business development officers

Basic Estate Planning and Estate Settlement February 7 at 9:00-10:30 a.m. Mountain Time Price: $275 Basic estate planning is something that most people don’t like to think about. However, a well-informed banker should be aware of the basic essentials to be able to assist customers going through an estate settlement. In addition, it’s something everyone should know and attend to personally. Topics to be covered include:

The KEY component which controls all other aspects of estate planning

Beneficiary designations examples

Probate

When is a will effective

Who has access to DDA funds

Existing durable powers of attorney

Estate taxes

Good record keeping

Variations on distributing tangible property, heirloom and sentimental assets Target Audience: Trust department personnel, personal bankers with front-line customer contact, and anyone interested in learning more about estate planning

Making Subchapter S Work, Even if You Think it Can’t February 8 at 9:00-10:00 a.m. Mountain Time Price: $225 Many organizations would like to take advantage of Subchapter S structure, but incorrectly think they cannot qualify. This session helps to explore the benefits and uses of Subchapter S status and, in particular, explains how you likely can make your bank qualify for Subchapter S even if you think it might be impossible. This session dispels some of the inaccuracies regarding the use of Subchapter S in the M&A context as well. Topics to be covered include:

Formation of Subchapter S

The benefits of Subchapter S

Structural ways to create eligibility for an organization that otherwise would not qualify for Subchapter S

S Corp structure in the M&A environment Target Audience: Board of Directors, CEOs and senior management

Secrets of Buying and Selling a Community Bank February 8 at 1:00-2:00 p.m. Mountain Time Price: $225

http://gsb.virtualvenues.com/store/273117-basic-estate-planning-and-estate-settlement-sp18

http://gsb.virtualvenues.com/store/273117-basic-estate-planning-and-estate-settlement-sp18

http://gsb.virtualvenues.com/store/279957-making-subchapter-s-work-even-if-you-think-it-can-t-sp18

http://gsb.virtualvenues.com/store/279957-making-subchapter-s-work-even-if-you-think-it-can-t-sp18

http://gsb.virtualvenues.com/store/279948-secrets-of-buying-and-selling-a-community-bank-sp18

http://gsb.virtualvenues.com/store/279948-secrets-of-buying-and-selling-a-community-bank-sp18

In the current merger and acquisition market, community banks need to realize that if they are positioning themselves to buy another bank or to sell their bank, there are issues that are unique to community banks or family banks that must be considered in the process. This session allows the attendees to explore those issues in‐depth in a confidential manner. Specific subjects that will be covered during the seminar:

How buying or selling a community bank or family bank is different

Specific family and community bank issues not present in large bank deals

Negotiating and structuring deals for specific family and community bank benefits Target Audience: Board of Directors, CEOs and senior management

Developing an Enterprise-Wide Risk Assessment February 13 at 1:00-2:30 p.m. Mountain Time Price: $275 Financial Institutions provide great value to the American economy. But that value comes with risks. Strategic-minded institutions do not strive to eliminate risk or even to minimize it – they strive to manage risk at the enterprise-wide level. These enterprises seek to manage risk exposure so that, at any given time, they incur just enough of the right kind of risk—no more, no less—to effectively pursue their strategic goals. This is referred to as “Optimal Risk-Taking.” This webinar will take you through a step-by-step process to develop Risk Assessments to address key areas of your institution. The presenter will share her experience in developing an enterprise-wide process to conduct Risk Assessments in a practical, sustainable, and easy way to understand. You will walk away with practical tools and examples you can implement in your organization immediately. Topics to be covered:

Overall view of Enterprise Risk Management and key components

The three key areas of ERM and how Risk Assessments fit in

The Risk Assessment Process

Identifying and assessing risks – enterprise wide

What is a Risk Assessment System (RAS) and its relationship to CAMELS rating

The top eight risks and other important ones

How to conduct an ERM Risk Assessment using a Matrix – The core of risk assessments

The various types of risk assessments based on the area of risk and what they consist of Target Audience: This informative session is designed for risk managers, chief risk officers, compliance officers, chief operating officer, chief credit officer, and the entire risk management team.

Ten Strategic Opportunities to Enhance Shareholder Value February 15 at 9:00-10:00 a.m. Mountain Time Price: $225 The community bank directors and executive officer’s job is to enhance shareholder value. This sounds like a very trendy term, but what does it really mean? What are the hallmarks of enhancing shareholder value? How can a community bank determine whether it is appropriately enhancing shareholder value? This presentation will demystify the idea of enhancing shareholder value by giving practical advice on ten strategic alternatives that community banks may employ to enhance shareholder value, such as the effective use of the bank holding company, a Subchapter S reorganization, the establishment of an Employee Stock Ownership Plan or other equity incentive compensation options. This presentation should not be missed by any community bank director or executive officer that is looking for ideas to further enhance shareholder value in their organization. Target Audience: Executive officers and their team

Cybersecurity 101 – Board Basics February 15 at 1:00-2:30 p.m. Mountain Time Price: $275

http://gsb.virtualvenues.com/store/274596-developing-an-enterprise-wide-risk-assessment-sp18

http://gsb.virtualvenues.com/store/281170-ten-strategic-opportunities-to-enhance-shareholder-value-sp18

http://gsb.virtualvenues.com/store/281170-ten-strategic-opportunities-to-enhance-shareholder-value-sp18

http://gsb.virtualvenues.com/store/274612-cybersecurity-101-board-basics-sp18

http://gsb.virtualvenues.com/store/274612-cybersecurity-101-board-basics-sp18

Boards have the ultimate responsibility for the security of customer information, as well as the responsibility to approve financial investments into cybersecurity, create accountability in the institution for security operations, and set clear expectations for management. A positive culture needs to be established for the organization to be successful in addressing cybersecurity needs. For an organization’s culture to be positive, it must start with the Board. Important decisions are made at each board meeting that affect strategic objectives, products and service offerings, and ultimately information security. Poorly informed or misinformed decision makers could influence security negatively and cause unintended damage to an institution. Understanding the basics of an Information Security Program is critical for the board to make effective discussions. This session will discuss how to improve communication and reporting with the board, basic processes and components of the ISP relevant to the board create, and how to improve cybersecurity culture. The following topics will be discussed:

Information Security Program Basics

Trends in cybersecurity

Improving board information flow

Cybersecurity culture

Roles and responsivities Target Audience: Both board members and information security professional will benefit from this session. Board and Senior Executives will receive a basic review of Cybersecurity and a strong Information Security Program, plus questions to ask of management. Members of the management team will benefit from a better understanding of what the board needs to know, how to communicate it, and tips in creating a strong culture.

Key Ratio Analysis: Calculating and Interpreting the Numbers Correctly February 20 at 1:00-2:30 p.m. Mountain Time Price: $275 Ratios, ratios, and more ratios! What do they really mean? Many financial professionals including bankers use financial ratios on a regular basis. But do they always use the same ratios and more importantly, do they always interpret the ratios in the same manner? Attend this proactive webinar and learn a five-step analysis plan including liquidity, activity, leverage, operating performance, and cash flow analysis which will clarify and unify this often confusing financial subject. Upon completion of this webinar, the bank employee will be able to better negotiate with their business clients as well as other financial professionals. The session will also include a review of spreading a financial statement using the Moody’s Risk Analyst software in order to analyze key ratios. A case study will be presented to illustrate the main concepts associated with key ratio analysis. Topics to be covered include:

Utilize a five-step key ratio analysis plan to correctly interpret the financial condition of the business client

Discuss negotiations with business clients and other financial professionals using the key ratios

Case analysis: Applying the concepts! Target Audience: Commercial lenders, credit analysts, loan documentation specialists, branch managers, assistant branch managers, private bankers, and business development officers

Commercial Real Estate Cash Flow: Analyzing Income-Producing or Rental Real Estate, Plus Global Cash Flow Issues – (4 Parts) February 20, 27 & March 6, 13 at 7:30-9:00 a.m. Mountain Time Price: $715 Banks continue to deal with commercial real estate (CRE) loans as a major portion of their loan portfolios, both performing and non-performing. Also, many borrowers still have large holdings of income-producing or rental real estate. Whether directly financing these assets or including the income stream(s) in your overall credit analysis, it is important to understand key analytical concepts in evaluating commercial real estate cash flow. This program demonstrates (from case studies) the key variables and concepts for determining real estate cash flow, plus primary analytical techniques such as transaction level stress-testing and compiling a global

http://gsb.virtualvenues.com/store/280548-key-ratio-analysis-calculating-and-interpreting-the-numbers-correctly-sp18

http://gsb.virtualvenues.com/store/280548-key-ratio-analysis-calculating-and-interpreting-the-numbers-correctly-sp18

http://gsb.virtualvenues.com/store/273199-commercial-real-estate-cash-flow-analyzing-income-producing-or-rental-real-estate-plus-global-cash-flow-issues-4-parts-sp18

http://gsb.virtualvenues.com/store/273199-commercial-real-estate-cash-flow-analyzing-income-producing-or-rental-real-estate-plus-global-cash-flow-issues-4-parts-sp18

cash flow that includes all of the holding of the investor/owner/guarantor. We cover where to find information from existing sources, such as tax returns, and what additional information may be needed, such as customer rent rolls. This seminar will address the following:

Net operating income (NOI) components and concepts

Understanding key variables within NOI: vacancy, management fees, replacement reserves and capital expenditures

Understanding cap rates and how they are used to link cash flow to property valu

Using tax returns and customer rent rolls, plus issues with commercial leases

Unique characteristics of the major types of real estate

Transaction-level stress-testing of debt service coverage (DSC) and loan-to-value (LTV)

How to use a sample worksheet to explore the major issues, including stress-testing

Issues faced in the global analysis of the various holdings of the borrower/guarantor

Taking the global analysis beyond the face values of guarantees (contingent liabilities analysis)

Using the cash flow analysis as part of ongoing loan monitoring, including estimated property values, not in lieu of appraisals, but as a key part of the overall CRE process

Brief look at residential rentals and related cash flow and property value issues Target Audience: Consumer lenders, mortgage bankers, private bankers, small business lenders, commercial lenders, credit analysts, loan review specialists, special assets officers, lending managers and credit officers

Commercial Real Estate Appraisals: Reviewing and Interpreting – (4 Parts) February 20, 27 & March 6, 13 at 9:30-11:00 a.m. Mountain Time Price: $715 An important part of the commercial real estate (CRE) lending process is the review and interpretation of the property appraisal. This program briefly reviews some issues of the entire appraisal process, such as selecting and engaging a qualified appraiser, but focuses primarily on reviewing the report for integration into the overall credit analysis. Fundamental principles and features of appraisals are covered, the December 2010 Interagency Guidelines (regulators may cite Reg. H, Reg. Y, SR 10-16 and others, but all of them ultimately refer back to the 2010 Interagency Guidelines), as well as the primary analytical techniques such as netoperating income (NOI) and direct capitalization for income-producing properties. Specific subjects that will be covered during the seminar include:

Why you should want to review appraisals (beyond just satisfying regulatory requirements)

Types or levels of reviews: Administrative/compliance, technical, and third party

Practical suggestions for setting loan-size limits to trigger the levels of review

Administrative/compliance reviews: FIRREA and other regulatory issues and a sample review checklist

Technical reviews: Appraiser independence and competence, types of reports by format and the 2006 scope of work rule/changes, details on the approaches to value (cost, income and market sales), plus a sample review checklist

Third party review by appraisers: How appraisers are regulated via USPAP, using USPAP

Standard 3 to get a third party review done and example comments from reviews – comments that will help you improve your reviews

How the three approaches to value (income, cost and market/comps) work

Review outcomes, and ideas on when and how to request revisions or corrections to the report

Guidelines for evaluations in lieu of full appraisals

Guidelines for reviewing, validating and using existing appraisals

Other issues as required by the December 2010 interagency guidelines Target Audience: Consumer lenders, mortgage bankers, private bankers, small business lenders, commercial lenders, credit analysts, loan review specialists, special assets officers, lending managers and credit officers

Keys to Understanding Personal and Global Cash Flow from Tax Returns – (4 Parts) February 20, 27 & March 6, 13 at 12:00-1:30 p.m. Mountain Time Price: $715 Bankers underwrite loans primarily from tax returns, particularly at the community bank level. What reported income is actually cash flow? How can we properly assess a large capital gain (or loss)? What items on a Schedule K-1 involve cash inflows and outflows to our customer? How can we combine personal and business cash flow into a global cash flow? Using case examples and

http://gsb.virtualvenues.com/store/273202-commercial-real-estate-appraisals-reviewing-and-interpreting-4-parts-sp18

http://gsb.virtualvenues.com/store/273202-commercial-real-estate-appraisals-reviewing-and-interpreting-4-parts-sp18

http://gsb.virtualvenues.com/store/279964-keys-to-understanding-personal-and-global-cash-flow-from-tax-returns-4-parts-sp18

http://gsb.virtualvenues.com/store/279964-keys-to-understanding-personal-and-global-cash-flow-from-tax-returns-4-parts-sp18

worksheets, this seminar covers how to analyze personal tax returns to develop cash flow within a simple, logical and consistent framework. It provides the tools needed to reduce voluminous amounts of forms and schedules into a concise, relevant picture of cash flow, both for personal situations and where global cash flow is appropriate. Participants will learn:

The limitations of personal financial statements and why more information is needed

Why personal tax returns can be difficult to analyze and how to target relevant information consistently

Using tax return data to validate assets and liabilities, plus uncover unreported liabilities

Understanding the spectrum of situations, how some income (or loss) does not involve cash, plus and linking types of income/cash flow to the primary tax return schedules

Cash flow approaches for self-employed and small business owners using sample worksheets and cases

Overview of business entity choice issues

How pass-through entities impact cash flow

Examples of capital gains (and losses) and how to extract the cash flow involved

The concept of global cash flow and its pros and cons plus analytical issues

Recent tax law changes and likely effect on customers’ tax returns Target Audience: Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, commercial lenders, credit analysts, loan review specialists, special assets officers, lending managers and credit officers

Create a Culture of Employee Engagement and Reduce Turnover February 21 at 9:00-10:30 a.m. Mountain Time Price: $275 Research shows that employees who are motivated, appreciated and believe in what they do are individuals who produce better business results and are likely to stay with the company longer than disengaged employees. But how does an organization offer engagement strategies that appeal to all employees? In this one and one-half hour webinar, you will walk away with several practical strategies on how to engage your employees and measure the impact of your efforts. Specifically, you will learn:

How to evaluate your current workforce environment

How to identify factors that increase (and decrease) employee engagement

How to create strategies that are important to employees including: empowerment, development, accountability and rewards and recognition

Best practices to engage and retain employees Target Audience: Human resource officers, supervisors, CEOs

Total Compensation Plan Elements and Strategy February 21 at 1:00-2:00 p.m. Mountain Time Price: $225 Total compensation is a “hot topic" for executive leadership it is a primary consideration for attracting and retaining high performing employees at all levels within the Bank. How you reward executives directly affects your ability to attract, retain, and reward talent within leadership positions. It is critical that the bank focuses on a total compensation strategy to ensure alignment with bank, department, and individual performance. This session focuses on how to strategically and effectively manage your total compensation plan and compensation “mix” to achieve bank goals and objectives while remaining responsive to the needs of employees. At the conclusion of this session, participants should possess a working knowledge of total compensation plan elements, compensation strategies, and the importance of linking pay with performance. Target Audience: HR managers, senior managers

Building an Effective Marketing Plan February 22 at 9:00-10:30 a.m. Mountain Time Price: $275

http://gsb.virtualvenues.com/store/273191-create-a-culture-of-employee-engagement-and-reduce-turnover-sp18

http://gsb.virtualvenues.com/store/273191-create-a-culture-of-employee-engagement-and-reduce-turnover-sp18

http://gsb.virtualvenues.com/store/281171-total-compensation-plan-elements-and-strategy-sp18

http://gsb.virtualvenues.com/store/281171-total-compensation-plan-elements-and-strategy-sp18

http://gsb.virtualvenues.com/store/273148-building-an-effective-marketing-plan-sp18

http://gsb.virtualvenues.com/store/273148-building-an-effective-marketing-plan-sp18

Building an effective and actionable marketing plan is an important first step for competing in the changing financial services industry. This informative session will provide how-to methods and ideas for creating a marketing plan that identifies opportunities and matches them with proper marketing strategies. In addition to evaluating the critical components of successful marketing plans, you will be presented with ideas for balancing your advertising dollars with other corporate communication opportunities. During the presentation, you will be challenged to assess your current marketing efforts and the traditional approach to developing marketing plans. The session will provide you with proven tools for creating a successful plan that contributes directly to your organization’s goals and objectives. Target Audience: Senior management, branch managers, marketing officers, marketing committee members

Compelling Advertising for Community Banks February 22 at 1:00-2:30 p.m. Mountain Time Price: $275 You've been there before, the newspaper deadline is this afternoon and you need an ad...quick! What do you do? Participate in this session and learn how to develop effective advertising using a few basic principles that will improve your mass media and direct communications. Avoid the common mistakes of cute clipart and headlines. Utilize the correct strategies for developing highly effective headlines and supporting copy. Learn how to balance your communications and optimize your marketing investments with proper planning of your advertising, market segments and products. If your organization uses advertising and direct mail to support your marketing efforts, encourage your managers and marketing committee members to participate in this informative, how-to session. Together, they will all benefit from the information, drawn directly from successful bank promotions. Target Audience: Senior management, branch managers, marketing officers, marketing committee members

Managing Generations in Today’s Workplace February 22 at 8:30-10:00 a.m. Mountain Time Price: $275 In today’s working world, people are expected to work closely with others who represent different generations. The way that the different generations approach their work, view their environment and communicate with others may cause stress and frustration in the workplace. In this program participants will be able to identify the characteristics of each generation and how they differ. When we are able to identify these differences and understand them a little more, we can then apply different strategies and approaches when working with people from each generation. Each generation adds tremendous value to the organization. We just need to figure out how to embrace these generational differences so what we can be more respectful and productive while at work. Target Audience: CEOs, HR managers, individuals in leadership roles with team or project responsibilities

Leading the Prospecting Effort February 26 at 9:00-10:00 a.m. Mountain Time Price: $225 Prospecting is one of the most difficult things we ask bankers to do. In this seminar Ned Miller explains what sales managers can do to improve their team’s chances of success in acquiring new clients. Topics covered:

Why prospecting is difficult

Task avoidance

The pitfalls of free-lancing

Blitzes and campaigns

Evaluating the market data

The satisfaction curve

Sources of leads

Establishing a target profile

Building prospect lists

http://gsb.virtualvenues.com/store/273193-compelling-advertising-for-community-banks-sp18

http://gsb.virtualvenues.com/store/279952-managing-generations-in-today-s-workplace-sp18

http://gsb.virtualvenues.com/store/279952-managing-generations-in-today-s-workplace-sp18

http://gsb.virtualvenues.com/store/279960-leading-the-prospecting-effort-sp18

http://gsb.virtualvenues.com/store/279960-leading-the-prospecting-effort-sp18

Coaching value propositions

Getting first appointments

Satisfied customer referrals

Coaching business acumen

Selected industries/ niches

Helping team member leverage their network to get information, introductions and testimonials

Pre-call, post-call coaching strategies Target Audience: Executive management, commercial and small business team leaders, retail sales managers overseeing an outside business calling effort

Basic Personal & Business Tax Return Analysis February 27 at 9:00-10:30 a.m. Mountain Time Price: $275 Attend this proactive webinar and gain an understanding of the often complex and confusing topic of TAXES! Bank personnel are required to obtain and properly interpret tax returns for both commercial and consumer lending purposes. The first part of this webinar will concentrate on personal tax return analysis while the second part will focus on the analysis of various business tax returns. The objectives of the first part of the webinar consist of the following:

Review the basic structure of the personal 1040 federal tax return (including the various schedules and K-1 forms)

Use analysis techniques to prepare a personal cash flow from information gleaned from the 1040 and the related schedules

Discuss updates in the current tax code and how they affect the bank’s clients

Describe how the 1040 tax return can be used to market the bank’s products and services The half of the program will cover:

Discuss the structure of a C corporation, S corporation, and Partnership (including LLC) tax return

Analyze business tax returns and prepare cash flows for these entities

Draw additional information from the business returns including identifying fraudulent tax returns,

Discuss updates in the current tax code as they apply to businesses Target Audience: Commercial lenders, credit analysts, consumer lenders, loan documentation specialists, branch managers, assistant branch managers, private bankers, and business development officers

Building a Recognition Program for Success February 28 at 9:00-10:00 a.m. Mountain Time Price: $225 Developing a culture of recognition, one in which employees are genuinely acknowledged for their contributions, is more important than ever. All companies face the question of how to recognize and reward their employees but few actually take the steps to create a strategy surrounding formal and informal recognition programs. This results in lower employee engagement and higher turnover. In this one hour webinar, you will learn how to:

Determine what employees value most

How to build a recognition program designed to the unique values of your employees

How you measure the success of your program. Target Audience: Human resource officers, supervisors, CEOs

About The GSB Online Seminar Series The GSB Online Seminar Series offers a convenient, cost-effective way to access quality educational opportunities. GSB seminars are designed to meet the dynamic learning needs of today's busy financial professional and are delivered by some of today's top industry experts. All sessions are recorded, so if you’re unable to attend one of the live presentations, it’s no problem! When you

http://gsb.virtualvenues.com/store/280557-basic-personal-business-tax-return-analysis-sp18

http://gsb.virtualvenues.com/store/280557-basic-personal-business-tax-return-analysis-sp18

http://gsb.virtualvenues.com/store/273149-building-a-recognition-program-for-success-sp18

http://gsb.virtualvenues.com/store/273149-building-a-recognition-program-for-success-sp18

register for a GSB Online Seminar, you’ll have access to the live presentation as well as a recording of the live session in case you are unable to attend the entire program. There is no additional fee to view the recording, it’s included in your registration fee. It's your choice to attend the live session, view the recording—or do both—based on your schedule. With the GSB Online Seminar Series you'll benefit from:

Nearly 100 relevant, bank-specific courses that deliver must-know information

A variety of live, interactive courses offered throughout the year—each recorded for scheduling flexibility

Additional On-Demand seminars on popular topics available anytime, anywhere, to fit your schedule. Instructor contact information is provided so you have the ability to ask questions as you go through the recordings.

Competitive pricing—one fee allows multiple attendees to participate through a single connection and includes all handouts and materials

State-of-the-art technology that ensures a quality learning experience

The faculty and expertise of the nation's most respected graduate banking school

For additional information, please visit gsb.org

GSB 2018B A N K T E C H N O L O G Y

M A N A G E M E N T S C H O O L

April 8 - 13, 2018Fluno Center for Executive Education Madison, Wisconsin

Linking Technology Management to Bank Performance

This state-of-the-art program will broaden your understanding of the business of banking and information technology management, improve your productivity and value at your bank and help you to establish a network of professional colleagues with whom to collaborate and exchange ideas for years to come.

Two-Part Curriculum

The school has been divided into two core areas of study—the business of banking and strategic technology management.

Business of Banking CurriculumInformation technology professionals must understand their business context to make effective IT decisions for the bank. Core areas in this section include:

• Introduction to the Business of Banking

• Bank Performance Analysis

• Regulatory Environment

• The Future of Community Banking

Technology Management Curriculum

Through a mix of lecture, discussion and hands-on computer labs that include penetration and vulnerability testing, you’ll learn about:

• IT Project Management

• Vendor Management

• Leveraging Infrastructure and Emerging Technologies to Create YourBank’s Advantage

• IT Disaster Recovery & Incident Response Planning

• Information Technology Risk Assessment

• IT Exam Preparation Hotspots

• Hacking

Fees & Accommodations

Your tuition includes includes a non-refundable $350 registration fee, all instructional materials, five nights single occupancy lodging, full breakfast and lunch each day, a welcome reception, access to IT and banking industry experts and all computer lab sessions and software. Tuition for the 2018 session of the Bank Technology Management School is $3,150.

Register at gsb.org

Due to the hands-on nature of the school, enrollment is limited in this program, which has sold out in the past, so early registration is encouraged.

ALSO IN 2018

Bank Technology Security SchoolOctober 21 - 26, 2018 Visit gsb.org for details on this popular program!

Educating Professionals, Creating Leaders 800-755-6440 | gsb.org

Sponsored by:

Wyoming Bankers Association

CLICK HERE TO REGISTER ONLINE

https://www.gsb.org/it/Technology-Management-Overview.php

https://www.gsb.org/


The human resource function directly impacts your bank’s productivity and bottom-line results. That’s why HR professionals in financial services require a working knowledge of the business of banking as well as strong talent management and leadership skills. This one-week school is designed specifically for HR professionals in banking and ties together banking and human resource leadership.

Expand your knowledge of banking, human resource management and employee performance at this respected school—and establish a network of colleagues to exchange ideas for years to come. Topics are timely and relevant, and may include:

• Introduction to the Business of Banking

• Bank Profitability Analysis

• Asset/Liability Management

• Bank Regulatory & Competitive Environment

• Strategic Planning & Marketing

• HR’s Role in Building and Maintaining Company Culture

• Role of Benefits in Total Rewards

• Building a Talent Management Succession Plan

• Employment Law Update

• Developing a Base Compensation Plan

• Best Practices: Building and Refining Incentive Compensation Plans

All-Inclusive Tuition Adds Value Human Resource Management School tuition includes a non refundable $350 registration fee and all instructional materials. Tuition also includes a full breakfast and lunch daily, welcome reception, closing night dinner and five nights single occupacy lodging. 2018 tuition is $3,150.

Educating Professionals, Creating Leaders 800-755-6440 | gsb.org

April 15-20, 2018Fluno Center for Executive EducationMadison, WI

Scholarships available!See gsb.org for details

GSB 2018H U M A N R E S O U R C E

M A N A G E M E N T S C H O O L

Sponsored by:

Wyoming Bankers Association

CLICK HERE TO REGISTER ONLINE

https://www.gsb.org/hr/Human-Resource-Overview.php



Beyond the Fundamentals

2018 National School for Experienced Ag Bankers

This school will be limited to 60 students. Visit www.sdba.com.

June 25-29, 2018Black Hills State UniversitySpearfish, South Dakota

The 2018 National School for Experienced Ag Bankers targets ag bankers with a strong knowledge of financial analysis in ag banking who desire further training

in analyzing and troubleshooting more complex and problem credits.

This school will be limited to 70 students. Visit www.sdba.com.

Overview.....The 2018 National School for Experienced Ag Bankers, sponsored by the South Dakota Bankers Association, will be held on the campus of Black Hills State University in Spearfish, S.D., on June 25-29, 2018. The school targets ag bankers with a strong knowledge of financial analysis in ag banking who desire further training in analyzing and troubleshooting more complex and problem credits.

Housing.....Students will stay in new student housing in private rooms, with two units connected by a shared bathroom. Rooms are air conditioned with gorgeous views of the Black Hills. Campus housing is strongly encouraged, however, it is not required.

Tuition.....The registration fee includes tuition, on-campus housing, meals and student handouts.

l State Bankers Association Members: $1,695 per personl Non-Members: $1,795 per personl Deduct $75 per person if staying off-campus.l A $250 cancellation fee will be charged if canceled after June 8, 2018.l No refund if canceled after June 18, 2018. l Substitutions are allowed at any time.

Curriculum.....The Mega Trends of Agriculture and Agrilending: Global, national and regional developments in the economic outlook can have significant effects on the agricultural industry. Cortney Cowley will provide an overview of current economic conditions and describe implications for agriculture. Cowley will provide her views on drivers of change that will impact agricultural lenders’ customer bases. She will discuss recent data and developments in agricultural credit and finance.

Credit Analysis: Troubleshooting from Cash to Accrual: Multiple case examples, ranging from annual renewal requests to multiple entities examples and problem loan servicing, will be used to apply advanced techniques and financial metrics to evaluation of credit requests. Tools will include cash to accrual, earned net worth/earned equity and other approaches that can be used when you have imperfect information. Experienced lenders will add their insight to complex loan evaluation and servicing options.

Futures and Options and Your Customer: Are You Ready?: Examine a short and practical pre-harvest marketing plan with key elements including target

prices and decision dates. We will review pricing tools, including futures and options, and discuss the challenges of working with customers and a margin account. Experienced ag bankers will weigh in on their experiences.

Learning Better Ways to Tell Your Story. Public Relations and Government Relations in a Down Farm Economy: Banks are built like fortresses for a reason—just ask Willie Sutton. But it does not mean that, as a banker, you have to hunker in the bunker. Two Washington veterans of the persuasion business will help you become more engaged in the public relations and government relations arenas. As the farm economy tightens, it is imperative that bankers become more visible, not less. Nearly every poor farm economy in the past has been addressed initially by Congress with legislation that creates more credit opportunities for farmers and ranchers. Do you want to be part of that process or do you want to wait, as the banking industry did in 1916, when the first Federal Farm Loan Act was signed? Public relations and government relations matter and while they are part of the “soft side” of banking, they are no less important to your bank than asset/liability management or collateral control. To be a successful ag banker, you need a working knowledge of both.

Legal Aspects of Debt Collection: Are you a veteran of ag loan collection efforts? Do you understand what the following terms mean—mediation, foreclosure, replevin, bankruptcy (Chapter 7, 11, 12), subpoena, depositions, interrogatories, interpleader and receiver? Learn about these terms and more from two of South Dakota’s leading attorneys in this area of law—one who focuses on creditor representation and the other whose focus is representing debtors. This is a must attend session in these challenging times in agriculture.

The Global Economy and You: The economic environment is changing. The global economy appears to be stabilizing. The U.S. economic recovery continues to chug along with a few fits and starts. And, the Federal Reserve is raising rates. These broader macroeconomic shifts can have major impacts on agriculture. This session will explore evolving macroeconomic trends and how they impact agriculture and ag lending.

Case Study: Instructors will take you through a full-risk management case study dealing with grain, livestock and value-added production. Credit analysis and troubleshooting from cash to accrual, lender liability issues, commodity grain marketing fundamentals and the regulator’s role all become an integral part of the process. You will discuss credit analysis techniques and will be taken through a “live” case study that will provide maximum understanding.

2018 National School for Experienced Ag Bankers.....

Monday June 25, 2018

Tuesday June 26, 2018

Wednesday June 27, 2018

Thursday June 28, 2018

Friday June 29, 2018

11:00 am - 12:45 pmRegistration Lookout Lodge at the Peaks (campus map will be sent to all registrants in June)

1:00 - 5:00 pm

l Official Welcome & Orientation Denny Everson, Curriculum Coordinator

l Intro to School Halley Lee, SDBA School Administrator

l Integrity Behavior Styles Nate Franzen

l Mega Trends of Agriculture & Agrilending Cortney Cowley

7:00 - 8:00 amBreakfast




8:00 - 8:30 amRapid Fire



8:00 - noonLive Case Study

8:30 - 11:30 amCredit Analysis Troubleshooting from Cash to Accrual

8:30 - 9:30 amParadigms Shift, Principles Don’tDykhouse

8:30 - 9:30 amKitchen Table Strategic Planning

9:30 - 10:30 amMaking Heads or Tails of a Multi-Entity Farm OperationNeiffer

9:30 - 10:30 amProblem Loan Servicing

10:30 - 11:30 amLearning Better Ways to Tell Your StoryBlanchfield, Elfmann

10:30 - 11:30 amLegal Aspects of Debt CollectionHayes, Gerry

11:30 am - 12:30 pmLunch

11:30 am - 12:30 pmLunch

11:30 am - 12:30 pmLunch

Graduation

12:30 - 1:15 pmCredit Analysis Troubleshooting from Cash to Accrualcontinued

12:30 - 3:00 pmGuidance on Major Hot Topics Facing Farmers from a Tax & Business StandpointNeiffer

12:30 - 1:30 pmHow Can I Counsel Borrowers Without Facing Lender Liability?

Safe Travels Home

1:15 - 5:00 pmFutures, Options & Your Customer: Are You Ready?Usset, Miller

3:00 - 5:00 pmThe Global Economy & YouHenderson

1:30 - 4:30 pmFinancing Multiple Entities

5:30 - 7:00 pmReception & Dinner

4:30 - 5:00 pmIntroduction to Live Case Study

6:00 - 8:30 pmReception

Dinner on Your Own 7:00 - 9:00 pmEverything and the Kitchen SinkModerator: EversonPanelists: Instructors

Dinner on Your Own

study and supported by lectures and intensive analysis. You will be taken through a “live” case study and other rapid fire case studies. Instructors will provide valuable information and additional analytical tools that will inspire action as you learn to apply the techniques in more complex loans.

You will continue your education by learning about commodity grain marketing fundamentals through participation in a simulation game. Lender liability issues, grassroots efforts and the bank regulator’s role will also help “round out” your education. You will achieve higher skills that will help with early identification of problem loans and determining solution options.

Who Should Attend.....Ag bankers with a strong knowledge of financial analysis in ag banking who desire further training in analyzing and troubleshooting more complex and problem credits (three to five years ag banking experience recommended), ag loan officers, credit analysts, credit reviewers, regulators and FSA loan officers. The ideal candidate for this school is a graduate of the SDBA’s National School for Beginning Ag Bankers.

Why You Should Attend.....Now that you have some experience in credit servicing, credit analysis and risk rating, the instructors at this school will provide course material primarily by case

Class Schedule.....

DENNY EVERSON is co-developer of the SDBA’s beginning and experienced ag bankers schools. Everson is retired from First Dakota National Bank, Yankton, S.D., where he served as president of the agri-business division and director of branch administration. He currently serves on First Dakota National Bank’s Board of Directors. Everson served as chairman of the ABA’s Ag and Rural Bankers Committee. He received SDSU’s Distinguished Alumnus Award in 1999 and was recognized as SD Cattlemen’s Agri-Businessman of the Year in 1998 and 1993 and South Dakota Pork Producers Dedicated and Distinguished Service Award in 1998. He received the coveted ABA Center for Agricultural and Rural Banking’s Bruning Award in 2008 and was inducted into the South Dakota Hall of Fame in September 2015 for his contributions to agriculture.

ROBERT H. CRAVEN is an extension economist and director of the Center for Farm Financial Management, Department of Applied Economics, University of Minnesota. Areas of specialty include business management, credit analysis and grain marketing. His work for the Center has focused on development of FINPACK, a nationally-recognized ag credit analysis software. He is also on the development team for the “Winning the Game” grain marketing education programs. He has spoken at numerous conferences including the National ABA Ag Bankers Conference and the USDA Ag Outlook Forum.

NATE FRANZEN is president of the agri-business division at First Dakota National Bank in Yankton, S.D., where he and his team service more than $850 million in agricultural loans for the $1.4 billion bank. He grew up on a diversified family dairy, grain and beef cattle farming operation in northeast South Dakota and draws from nearly 25 years of ag banking experience. In 2011, Franzen was appointed to the American Bankers Association’s Agriculture and Rural Bankers Committee and served as chairman in 2015. In 2013, he spoke at the World Bank’s International Financing Agriculture Forum in Colombo, Sri Lanka. Franzen is a graduate of Class I of the South Dakota Agriculture and Rural Leadership (SDARL) Program, where he is a past president of its Alumni Association, joined its Board of Directors in 2013, and is currently chairman of the Board. Franzen is also currently chairman of the board for the SD Agricultural Foundation and serves on the SDSU School of Agriculture and Biological Sciences Advisory Board.

SAM MILLER is managing director, group head of agriculture banking for BMO Harris Bank, where he coordinates and leads production agriculture and agribusiness related banking activities. BMO Harris is the largest agricultural bank in Wisconsin and the eighth largest in the United States. Miller has more than

34 years of agricultural banking experience, the past 30 at BMO Harris Bank. Miller is a Bruning Award recipient, an award for excellence in ag banking presented by the American Bankers Association. He is a past chair of the ABA’s Ag and Rural Affairs Committee and a school director for the Wisconsin Bankers Association’s Advanced Ag Banking School.

DALE NORDQUIST is an extension economist at the Center for Farm Financial Management in the Department of Applied Economics at the University of Minnesota. His interests include farm business analysis, farm planning and software development. Nordquist has more than 25 years of experience in teaching farm management and developing software tools for farm financial planning and analysis. He has been a major contributor to the design and development of the FINPACK farm financial planning and analysis software.

CORTNEY COWLEY is an economist in the regional affairs department of the Federal Reserve Bank of Kansas City. Her current research focuses on agricultural finance, commodity markets, farm management, and natural resource economics and policy. Cowley’s responsibilities also include writing for the Tenth District Survey of Agricultural Credit Conditions and the Federal Reserve System’s Agricultural Finance Databook. Cowley joined the bank in 2015 after completing her Ph.D. in agricultural economics at Oklahoma State University. She also holds a B.S. degree in biosystems engineering from Oklahoma State and a M.S. degree in civil engineering from Colorado State University.

EDWARD USSET serves as a grain marketing economist for the Center for Farm Financial Management at the University of Minnesota, the developers of FINPACK software and a variety of educational programs. Working with his colleagues at CFFM and in Extension, Usset developed the award winning Winning the Game series of workshops. In addition, he manages Commodity Challenge, an online marketing education game that uses real-time cash and futures data. He teaches Commodity Markets at the University. The second edition of his book “Grain Marketing is Simple (it’s just not easy)” was released in November 2015. He is also a regular columnist for Corn and Soybean Digest.

DANA DYKHOUSE is CEO of First PREMIER Bank in Sioux Falls, S.D. Under Dykhouse’s leadership, First PREMIER Bank’s total assets and assets managed have grown from $250 million to more than $1.5 billion. Together with its sister organization, PREMIER Bankcard, the organization has grown from 175 employees to approximately 3,000. First PREMIER has been ranked as one of the top 10 performing financial institutions of its size in the nation since 1997 by the

School Faculty.....

School Faculty continued.....

American Bankers Association’s ABA Banking Journal, and First PREMIER Bank’s holding company was ranked number one in 2006.

PAUL NEIFFER is an agribusiness certified public accountant and business advisor specializing in income taxation, accounting services, and FSA planning related to farmers and processors. He works with farmers and processors providing income tax advice and compliance services and actively consults with farm families on succession planning issues and opportunities. Through his work with CliftonLarsonAllen, Neiffer helps farmers understand the proper use of accounting systems to more profitably run their business and helps structure farm operations to maximize FSA opportunities.

JOHN M. BLANCHFIELD founded Agricultural Banking Advisory Services three years ago. His company is an independent consultancy that is dedicated to helping community bankers improve their ag lending programs. Since starting his company, Blanchfield has published more than 20 articles on ag banking and has delivered more than 60 speeches to bankers and their customers. Recently, he has focused on best practices for ag bankers and on improving customer financial behaviors to ensure better communications between bankers and their customers. In 2015, the American Bankers Association created a new award named in his honor that celebrates his commitment to agricultural banking. ABA selects a Blanchfield Award recipient annually.

ED ELFMANN serves as vice president of congressional relations for the American Bankers Association in Washington, D.C. ABA is the voice of the nation’s banking industry, and nearly 5,000 banks—83 percent of all banks nationwide—have agricultural loans within their portfolio. Elfmann has been with ABA since June 2012 and is ABA’s head of policy on agricultural credit and lending issues. In addition to agricultural policy, Elfmann works on swaps and derivatives policy, financial services, appropriations and small business issues for ABA. Elfmann currently serves on the Chicago Mercantile Exchange’s Agricultural Markets Advisory Committee and the Commodity Futures Trading Commission’s Agricultural Advisory Committee. In 2015, he was selected to participate in ABA’s Leaders at all Levels leadership program.

JASON HENDERSON is a nationally recognized expert in agricultural and rural issues. Henderson is associate dean in the Purdue University College of Agriculture and director of Purdue Extension. In this role, he leads statewide public engagement and research-based education in 4-H youth development, agricultural

and natural resources, community development, and health and human sciences. As Purdue’s assistant vice president for engagement, Henderson provides leadership in university-wide initiatives that connect Purdue expertise and resources to statewide needs and helps form effective partnerships to grow Indiana’s economy and improve quality of life for its residents. He previously served as vice president and Omaha branch executive at the Federal Reserve Bank of Kansas City. While serving as the bank’s regional economist and Nebraska representative, he also led Federal Reserve efforts to track agricultural and rural economies, including the Tenth District Survey of Agricultural Credit Conditions and the Federal Reserve System’s Agricultural Finance Databook. He holds masters and doctorate degrees in agricultural economics from Purdue University in West Lafayette, Ind., and a bachelor’s degree in economics from Central College in Pella, Iowa.

CLAIR GERRY received his JD from the University of South Dakota in 1978. He was admitted to the U.S. Supreme Court of the United States; United States Court of Appeals, Eighth Circuit; and U.S. District Court, District of South Dakota. Gerry is a member of the State Bar of South Dakota, American Bar Association, Minnehaha County Bar Association, National Association of Consumer Bankruptcy Attorneys and American Bankruptcy Institute.

ROBERT HAYES is a member of the Banking and Financial Services Practice Group at Davenport Evans. He has long been recognized for his expertise in the field of creditors’ rights law, a fact reflected not only by his having served for years on the State Bar’s Debtor Creditor Committee but accumulating nearly a decade as chair of that committee. The recognition is not just local. Hayes has received an AV Preeminent® Peer Review Rating by Martindale-Hubbell®, for the highest level of professional excellence for their legal knowledge, communication skills and ethical standards. He has also been selected to Best Lawyers® in the areas of bankruptcy and creditor debtor rights/insolvency and reorganization law, and litigation– bankruptcy, and has been ranked by Chambers and Partners® in the areas of corporate/commercial and corporate/commercial: bankruptcy/restructuring law, and real estate. Hayes was ranked in the top 5 percent of practicing attorneys in South Dakota by Great Plains Super Lawyers® in the areas of banking, bankruptcy & creditor/debtor rights and real estate. He is one of several attorneys in the firm who advise school districts on a wide range of matters and is also relied upon by clients for his experience in real property law.

Full Name (as you wish it to appear on the certificate): ______________________________________________________________________

First Name (as you wish it to appear on your badge): _______________________________________________________________________

Bank Name: ___________________________________________________________________________________________________________

Bank Address: _________________________________________________________________________________________________________

City/State/Zip: _________________________________________________________________________________________________________

Phone Number: _________________________________________ Fax Number: ______________________________________________

Email Address: __________________________________________ Cell Phone: ________________________________________________

Age Range: 20-29 30-39 40-49 50+

This school will be limited to 70 students. Register early as the school fills quickly.

Send your registration form and payment to:South Dakota Bankers Association

PO Box 1081, Pierre, SD 57501Phone: 800.726.7322 | Fax: 605.224.7835 | www.sdba.com

Type of Entity(check only one) Independent Bank Independent Branch Holding Company Bank Holding Company Branch Holding Company Other

Total Assets of Bank(check only one) Under $5 mm $5–10 mm $11–20 mm $21–50 mm $51–100 mm $101–200 mm More than $200 mm Other

Total Banking Experience(check only one) 1–2 years 3–5 years 6–8 years 9–11 years 12–16 years 17 years or more

Ag Lending Experience(check only one) 1–2 years 3–5 years 6–8 years 9–11 years 12–16 years 17 years or more

___ Compliance___ Operations___ Lending___ Audit___ Loan Administration

___ Customer Service___ Public Relations___ Personnel___ Investments___ Credit Analysis

Rank order (1-5) of your major areas of bank experience: (1 indicates most experience, 2, 3, etc.)

Education High School Some College Associate’s Degree Bachelor’s Degree Master’s Degree Ph.D. Law Degree

Housing No Housing (see reg. fee) Staying On Campus: Male Staying On Campus: Female

No smoking is allowed in campus facilities.

List Bank Education Training: _______________________________________________________________________________________

________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________

Registration Fees.....The registration fee includes tuition, on-campus housing, meals and student handouts. State Bankers Association Members: $1,695 per person Non-members: $1,795 per person

All Sections of this Registration Form Must Be Completed

Deduct $75 per person if staying off-campus. A $250 cancellation fee will be charged if canceled after June 8, 2018. No refund if canceled after June 18, 2018. Substitutions are allowed at any time.

2018 National School for Experienced Ag Bankers ApplicationBlack Hills State University | Spearfish, S.D. | June 25-29, 2018

PLEASE PRINT

Date post:	12-Jun-2020
Category:	Documents
Upload:	others
View:	4 times
Download:	0 times

Wyoming Bankers Association February 2018 · Wyoming Bankers Association February 2018 ... AIB...

Documents