**Click Here for COVID-19 Resources**

The safety of our members is our highest priority. This program has been adjusted to take place as a virtual seminar. 

PROGRAM INFORMATION

The course is designed to prepare bankers who prospect business banking loan requests to analyze the typical metrics used to approve these requests. The instructor will provide an overview of the commercial lending environment and how lenders should consider global cash flow, loan-to-value, and other factors when assessing loan decisions. Discussions will also include mitigating credit exceptions and good prospects. Participants will be guided through case studies to reinforce concepts.

Learning objectives include:

• Calculating and analyzing global cash flow
• Evaluating guarantor strength
• Proper loan structure
• Basics of income properties
• Evaluating non-real estate collateral

Who should attend: Lending staff seeking an introductory understanding of commercial credit. We often host new business bankers and experienced branch managers with new commercial loan goals. The course will benefit lenders with loan authority and lenders operating in a centralized lending environment.

SPEAKER INFORMATION

Andy Nenni – Chief Credit Officer, Movement Bank

Andy Nenni has been providing training and coaching for bankers involved in consumer and commercial lending and has created custom training programs for banking associations and financial institutions. Courses include improving sales, consumer lending basics, performing real estate evaluations, and beginner through advanced C&I and CRE underwriting skills. Andy weaves over fifteen years of banking experiences and stories into each class and uses real-world examples to reinforce concepts and entertain attendees. He has served as a Personal Banker, Credit Analyst, Commercial Lender, and Chief Credit Officer in community and national banks. Andy earned a Bachelor of Science in Accounting at Kansas State University and a Masters of Business Administration at East Carolina University.

The safety of our members is our highest priority. This program has been converted to a virtual format. 

PROGRAM INFORMATION

Patti Joyner is returning to lead our compliance experts through the various updates in BSA and AML. 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! Exam findings indicate we need to strengthen our compliance management program!

Patti Joyner of Financial Solutions will lead our program to discover new and improved solutions to the ever‐expanding regulatory challenges. She 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 reviewing 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!  Attendees will pick up new tricks and tips to maximize their 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.

Confirmed topics will include:

• 2020 Year in Review and 2021 BSA/AML Priorities
• Managing 2021 Change Management Response
• Banking Marijuana and Hemp Businesses in 2021
• Impact of National Defense Authorization Act of 2021
• U.S. State Department 2020 Trafficking in Persons Report
• OFAC 2019 Terrorist Assets Report
• IRS Criminal Investigations 2020 Report
• Update on COVID-19, Unemployment Insurance, and PPP Fraud
• FinCEN FIN-2020-NTC4 COVID-19 Scam Alert and Other Recent FinCEN Advisories
• FTC Consumer Tips for Avoiding COVID-19 Vaccine Scams
• Updated FATF COVID-19 Report
• What’s Up with Banking Agencies Notices of Proposed Rule Amending its SAR Regulations?
• FinCEN Proposes Virtual Currency and Digital Assets Rule
• Agencies Clarify BSA Due Diligence Requirements for Charities, Non-Profits, and PEPs
• U.S. Law Enforcement Action Against Money Mules in Global Crackdown on Money Laundering
• IRS’s Identity Projection PIN Opt-In Program
• New NACHA Rule on Participants with Egregious Violations Effective 1/1/2021
• FinCEN’s New 314(b) Fact Sheet and Guidance
• Recent BSA Civil Money Penalties and Enforcement Actions

Attendees will receive the digital manual that can be downloaded and printed, in addition to the OnDemand recording for the program.

SPEAKER INFORMATION

Patti Joyner – Financial Solutions

Patti Joyner is a dynamic speaker and leader with strong, intuitive management skills, and a deep conviction that “excellence is not optional.” She has extensive experience in working with financial institutions, bank data processors and governmental agencies. Patti has more than 35 years of experience in the financial industry as an entrepreneur and financial institution executive. She is a Certified Public Accountant, skilled regulatory compliance consultant, bank operations specialist, system automation designer and an enthusiastic regulatory compliance instructor who believes in providing real-world solutions ready for immediate implementation.

Patti founded Financial Solutions in 1990 to offer financial institutions complete, cost-effective regulatory compliance solutions, thereby eliminating an institution’s need to rush to increase overhead. The company specializes in providing regulatory compliance assistance for financial institutions through policies, programs, on-site compliance reviews and customized training.

Click HERE for Additional Program Details

PROGRAM INFORMATION

The NCBA is partnering with the American Bankers Association on a special launch of their Small Business Banker Certificate. This training is self-paced, with a launch date of Wednesday, February 10. Attendees will be given a roster of all participants to allow for peer discussion and networking while taking the course. The estimated time allotment for this program is 6.5 hours.

The ABA Small Business Banker Certificate is primarily for branch-based relationship managers who need the skills to build a relationship-centric sales approach, engage business customers to better understand their needs and appropriate solutions, handle objections, plan and execute the perfect sales call, and manage relationships, post-sales. This curriculum provides an approach to building trusted relationships with business banking customers and focuses on the process needed to identify sales prospects and close the deal, and not on making the credit decision.

Topics that will be covered are:

• Small Business Basics
• Small Business Operating and Life Cycle
• Communicating Credit Decisions
• Closing the Sale – Apply What You’ve Learned
• Consultative Selling for Small Business Clients
• Generating Leads
• Preparing to Call on Clients
• Presenting Credit Products
• Presenting Retirement Products
• Presenting Treasury Management Products
• Monitoring Small Business Relationships
• Conducting Site Visits
• Introduction to Analyzing Financial Statements
• Personal Tax Return Analysis
• Creating Sales Portfolios
• Managing Client Portfolios
• Planning a Call

PROGRAM INFORMATION

We are partnering with SBS CyberSecurity to bring our members a special launch of the Certified Banking Vulnerability Assessor virtual training. This certification is self-paced, with a launch date of February 24. Attendees will be given a roster of all participants to allow for peer discussion and networking while taking the course. Total allowed time to complete the course is ten weeks and culminates with an exam to achieve the certification.

This course will guide attendees as they learn how to take security into their own hands with the ability to identify and remediate vulnerabilities at their institutions. Course objectives include:

• Gain a clear understanding of scanning tools available in the market.
• Explore best practices for continuous vulnerability monitoring.
• Find bugs to patch, security settings to fix, and software to remove on your systems.

Confirmed topics will include:

• Regulatory Overview and Vulnerability Assessments
• Vulnerability Assessment Tools
• Perimeter Network Testing
• Web Application Vulnerability Testing
• Introduction to Packet Capture and Analysis
• Remediation, Reporting, and Action Tracking
• Cloud, Remote Access, and VPN Considerations

SPEAKER INFORMATION

Terry Kuxhaus – Senior Information Security Consultant, SBS CyberSecurity 

Terry is a Certified Information Systems Security Professional (CISSP), who has 14 years of experience with information technology, information security, ISP development and network security experience at a financial institution. He also has eight years of IT operations experience, including customer support, network security administration, and hardware management in government.

PROGRAM OVERVIEW

This programming is being presented by ePayResources. Come to this two-day Boot Camp and get “whipped into ACH shape!” Greenhorns and seasoned veterans alike will walk away from this intensive experience with a fundamentally sound understanding of how the battle for compliant and efficient ACH operations can be won. During this course, recruits will: learn how to identify ACH Network participants; discover how an understanding of ACH terms and payment formats can expedite the resolution of customer inquiries; navigate the maze of the ACH Rules Book to find the information they need; decode an ACH Entry to understand the message being received; chart the course of an ACH Return Entry; dig through the technical specifications of an ACH file; and identify and quickly troubleshoot errors. Don’t wait to enlist!

Key takeaways will include:

• RDFI ACH Transaction Handling Reference Chart
• SEC Code Quick Reference Chart
• Document Retention Quick Reference Chart
• Time frames Quick Reference Chart
• Rule Book tabs
• FAQs

This program is geared for ACH operations staff, payroll managers, treasury professionals, corporate cash managers, software vendors and service providers, government finance officers, corporate and federal agency accounts payable and receivable staff, commercial lenders, compliance staff, third-party service providers, and auditors.

SPEAKER INFORMATION

Barbara Hudgins – Director of Payments Education, ePayResources

As a member of the education team, Barbara develops and presents on a variety of payments education and professional development training. She knows firsthand the challenges facing industry stakeholders and welcomes the opportunity to help our members navigate those challenges! She has over 15 years of community bank experience in retail services and deposit operations, including managing ACH and debit card programs. She also has 10 years of experience in secondary education.

Barbara holds a Bachelor of Science degree in Psychology and Master of Education in School Counseling from Virginia Commonwealth University, and has earned the Accredited ACH Professional (AAP) and Accredited Payments Risk Professional (APRP) certifications.