2020 BSA & AML Update Seminar @ Raleigh Marriott Crabtree Valley
Feb 3 @ 12:30 pm – Feb 4 @ 4:30 pm


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 include:

  • BSA/AML Regulatory Program Expectations
    • Four Pillars of BSA Compliance Programs
    • Fifth Pillar: Customer Due Diligence, including Final Beneficial Ownership Rule
    • Road Map to Success: Current BSA/AML Exam Trends Risk Assessment
    • Expanded Risk Assessment Requirements
    • Geography: Countries of Concern, HIDTAs, HIFCAS, Bulk Currency Corridors
    • Current Legislative Activity
  • Customer Identification Program (CIP)
    • Consumer Customer Due Diligence, Enhanced Customer Diligence, High-Risk Products and Services
    • Third Party Payment Processors, Mobile Banking Customers, New Payment Methods, Banking Foreign Customers
  • Customer Due Diligence (CDD)
    • Consumer Customer Due Diligence CommercialBSA Seminar Agenda
    • Customer Due Diligence Enhanced Due Diligence
    • Beneficial Ownership Rules
  • Currency Transaction Reports (CTR) and CTR Exemptions
    • CTR Tips and Tools
    • Phase I and Phase II Exemption Rules
  • Suspicious Activity Reporting (SAR)
    • Robust SAR Program Guidelines
    • Critical Components for an Effective Monitoring and Reporting Program
    • Finesse Your Narratives to Prompt Attention from Law Enforcement
    • Cybersecurity Incident Guidance
  • Office of Foreign Asset Control (OFAC) Program
    • Screening Responsibilities and Match Resolution
    • HIDTA, HIFCA, FBI Most Wanted, Countries of Concern and Other Watch Lists
    • International and Domestic Politically Exposed Persons (PEP)
    • Hot Spots to Watch For, including Recent Enforcement Actions
  • BSA Training for Everyone!
    • Customized Training
    • Bank Directors and Executive Leadership
    • Function – Specific Training for Employees: New Hires and New Jobs


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.



The NCBA has secured a discounted rate of $179/night for our attendees at the Raleigh Marriott Crabtree Valley. To secure this discounted rate, please use the link below.

Book your group rate for NCBA’s 2020 BSA & AML Update Seminar

Please note that attendees are responsible for securing their hotel reservationsThe cut-off date to make reservations at the discounted rate is Sunday, January 12. 

Active Shooter and Violence in the Workplace Seminar @ Greensboro - High Point Marriott
Mar 4 all-day



We are partnering with Blue-U Defense on this training, and will be broken into three segments:

  • Surviving an Incident of Violence/Active Shooter
    This course is typically provided as a foundation level course for banks, large corporations, insurance companies and associations of all sizes. Successfully surviving a sudden incident of violence is 90% mental and 10% physical skill. This course focuses on the 90% mental while concurrently providing skills to survive the 10% physical, as a last resort.
  • Advanced Workplace Violence – Prepare to Win! Practical and Effective Tactics and Defense
    This is an advanced course that will feature hands-on drills, scenarios, criminal mind and lecture, to show attendees how powerful the tactics that we teach are, and to show, through actually doing them, that they absolutely work! Attendees will see both the role of the “good guy” and “bad guy,” to get both perspectives. Attendees will more clearly understand the tunnel vision, OODA Loop, tactics, etc that we are teaching our students to understand and overcome.
  • Physical Site Security and Compliance with Bank Protection Act 
    During this session, instructors will discuss how to conduct your own physical site security assessments utilizing their method. Their method does not entail looking at what many other organizations are looking at such as cameras, lighting, card readers, etc. Their theory is your building is your building, your people are your people, and your layout is your layout. So, how do they take what you currently have and, without spending any more money, significantly increase the safety and security of those people inside – your most valuable assets? The instructors will cover this and more!



Terry Choate – Co-Founder & Training Specialist, Blue-U Defense

Terry Choate is a Co-Founder and Training Specialist for Blue-U Defense.  He has served as Team Commander of the Monadnock Regional Special Response (SWAT) Team and for 11 years as a Lieutenant with the Jaffrey (NH) Police Department.  Prior to law enforcement, Mr. Choate spent over 20 years in management positions with Fortune 500 companies. In addition, Mr. Choate’s experience with Executive Security International provides expertise in Security Surveys, Advances, Personal and Executive Protection, CCTV Surveillance, Stalking and Dangerous Human Behavior, Anti/Counter Terrorism, and Business Security.


Joe Hileman – Co-Founder & Training Specialist, Blue-U Defense

Joe Hileman is a Co-Founder and Training Specialist for Blue-U Defense.  He served as the Assistant Team Commander of the Monadnock Regional Special Response (SWAT) Team and for 11 years as a Detective with the Jaffrey (NH) Police Department.  Prior to his career in Law Enforcement, he served as Security Supervisor at the corporate management level of a Fortune 500 company. Mr. Hileman holds two A.A. degrees in Criminal Justice – Law Enforcement and Criminal Justice – Corrections, Probation, and Parole.




The NCBA has secured a discounted rate of $139/night for our attendees at the Greensboro – High Point Marriott. To secure this discounted rate, please call the hotel directly at 336-852-6450 and ask for the NC Bankers rate for the night of March 3. The last day to secure this discounted rate is February 11.

Make Your Reservation Here!

Please note that attendees are responsible for securing their hotel reservations.