2019 Playback Library

Overview

2019 Playback Library

Our webinars are separated by category type. Click each tab to see listings for those particular categories. If you have any questions about specific content, contact Montana Townsend, mtownsend@westernbankers.com

IT, Technology, & Operations

Strong Third-Party Risk Management – Do You Have It?

This session will focus on best practices and regulatory expectations for strong risk management of third-party relationships within community banks. The session will provide a high-level overview of regulatory expectations, industry best practices, and emerging trends and issues. The goal of this webinar is to provide board members and executives a contemporary view of mature third party risk management, an understanding of emerging issues and risks, and provide some basic questions to be able to credibly challenge their own program states.

Who Should Attend: Executive Director, Chief Risk Officer, Legal Counsel, Chief Operations Officer, Chief Technology Officer

Legal & Regulatory Compliance

Industrial Hemp Businesses: Risk Management Best Practices

With the 2018 Farm Bill and subsequent state and federal guidance, everyone is ready to jump on the hemp bandwagon. Financial institutions see the benefits of offering services to these businesses but aren’t exactly sure what risks these businesses present to the bank and how they can effectively manage these risks. In this webinar, learn best practices for initiating a hemp program at your institution including onboarding and ongoing due diligence requirements. These businesses are looking for good banks to partner with for their banking relationship, so having a clear understanding of how to bank to these unique clients will profoundly benefit both the business and the bank.

Who Should Attend: Compliance and Risk Professionals, Branch Banking Leaders

IT, Technology, & Operations

Top Exam Trends in Cybersecurity

There has been a lot of examination activity related to cyber since the FDIC began the rollout of their InTREx risk-based IT exam approach and the OCC made enhancements to the cybersecurity assessment tool used in the IT exam process. Join us as we share with attendees the top trends we see in examinations related to cybersecurity programs. You’ll be better informed as to how to ensure you meet the regulatory requirements and most importantly, maintain customer trust.

Who Should Attend: Risk Professionals, Cybersecurity Professionals

Human Resources & Staff Training

Getting a “Bang for Your Buck” with Annual Cash Incentives

This session focuses on exploring the usefulness and need for performance-based cash incentive plans. In this session, explore typical plan design parameters and common goals that are utilized amongst banks, the range of payouts for various positions, and discuss the weighting of goals between company, department, and individual. Participants will walk away feeling more comfortable with promoting and developing a performance-based cash incentive plan.

Who Should Attend: VP of Human Resources, HR Analyst, HR Business Partner, Executive Director 

IT, Technology, & Operations

Growth Strategies in the New Bank

As the race for core customer relationships, core deposits and talent intensifies, it is imperative to have your financial institution positioned for growth if you want to survive … and thrive. During this session, explore specific and actionable strategies to: (1) grow core customers, (2) increase core deposits, (3) develop your team and (4) improve overall financial performance.

Who Should Attend: Chief Executive Officer, Chief Operating Officer

Credit & Lending

Detecting a Problem Loan Before It Becomes a Problem

In commercial lending, it is critical to determine and assess problem loans as quickly as possible to allow the lender to resolve them efficiently. In this session, learn how the lender’s business and legal teams can work together to identify potential risks and issues quickly, and design strategies to both minimize the lender’s problem loans and potential exposure. Webinar attendees will explore a variety of techniques to maximize recovery and reduce costs in the handling of troubled loans.

Who Should Attend: Chief Credit Officer, Chief Lending Officer, Chief Risk Officer, Executive Director

Human Resources & Staff Training

New Year, New Goals

With the year coming to a close and new organizational goals being identified, it is imperative to remember that employees need a clear vision to stay motivated and performance-oriented. Webinar participants will hear tips to optimize performance management methods and best practices to help managers sharpen skills around goal setting. Relevant topics to be discussed include sales incentive evolutions, workforce trends, and the employee burnout factor. 

Who Should Attend: Training & Development Professional, Branch Administration Leadership, HR Professionals, Executive Director

Legal & Regulatory Compliance

Goodbye Independent Contractors, Hello Employees: Welcome to AB-5

California recently enacted AB-5, a bill codifying the Dynamex court decision and making it much more difficult to classify a worker as an independent contractor as opposed to an employee. In this webinar, we will explore the practical implications of this new law and how it affects businesses throughout the state in terms of how they must identify and treat their workers. The dangers of misclassifying a worker as an independent contractor instead of an employee are now greater than ever, subjecting businesses to significant fines, penalties and back wages if a worker is improperly classified. 

Who Should Attend: Chief Risk Officer, Business Banking Officer, General Counsel

Credit & Lending

Lending through the Business Cycle

As bankers and borrowers work through the business cycle, lenders who are cycle savvy can help their clients meet their credit needs through the cyclical phases. This session explains how those needs change from one phase to the next and how lenders can give clients what they need. In this session, lenders learn how to anticipate their clients’ credit needs to help them survive the challenges associated with expansion and contraction. Webinar attendees will be able to identify the industries and borrowers most vulnerable to downturns and those less susceptible to recession.

Who Should Attend: Lending Professionals, Credit Professionals, Retail Banking Professionals 

Credit & Lending

They’re Back – Problem Loans – Know When to Hold Them and Fold Them

As the economy slows and starts to expose weaknesses with some bank borrowers, banks are starting to experience some credit problems. Now is the time when smart bankers seize the opportunity to prune their portfolio either by forcing potential problem borrowers to address weaknesses in their businesses or encouraging them to find other lenders. The 10-year expansion means that bankers with less than 10 years’ experience have not had much exposure to problem loans, so their ability to identify them, evaluate them, and manage them is probably very limited. This webinar is designed for line lenders with some basic commercial lending experience and credit personnel who are responsible for identifying potential problem loans, who take the first steps to protect the bank’s position, and who begin the processes to resolve the problem.

Who Should Attend: Credit Officer, Lending Officer, Risk Officer, Commercial Lending Officer

IT, Technology, & Operations

Middle Market Credit Lending Trends and Analysis

Join an analytics expert for this webinar that will provide an update on the state of middle market lending, which sectors seem to be deteriorating faster than others, and how the latest and greatest advances in AI can be leveraged to identify other early indicators of credit deterioration. Discussions will include an update to the oil and gas analysis and show how things have changed since the 2015-2016 turmoil in that sector.

Who Should Attend: Credit & Lending Professionals, IT Manager, Information Technology Officer

Credit & Lending

Middle Market Credit Lending Trends and Analysis

Join an analytics expert for this webinar that will provide an update on the state of middle market lending, which sectors seem to be deteriorating faster than others, and how the latest and greatest advances in AI can be leveraged to identify other early indicators of credit deterioration. Discussions will include an update to the oil and gas analysis and show how things have changed since the 2015-2016 turmoil in that sector.

Who Should Attend: Credit & Lending Professionals, IT Manager, Information Technology Officer

Legal & Regulatory Compliance

AB 1482: Everything You Need To Know About California’s New Rent Control Law

Earlier this year, Governor Newsom signed into law controversial statewide rent control provision. In this webinar, explore the new law’s restrictions on both evictions and annual rent increases. Anyone who owns, intends to purchase, or is considering making a loan on rental property must understand the new law and how it will impact them moving forward as a homeowner or landlord.

Who Should Attend: Chief Credit Officer, Compliance Officer, Commercial Loan Officer, Consumer Loan Officer

IT, Technology, & Operations

Banking Cryptocurrency: BSA and Risk Considerations

With consumer and industry interest in cryptocurrencies rising, banks need to understand the risk and compliance considerations when looking to enter the cryptocurrency marketplace. In this session, learn what cryptocurrencies are, who the different cryptocurrency consumers are that might approach a financial institution for services, and the risk and compliance considerations a bank should consider when opening and maintaining accounts for cryptocurrency consumers. Build a base of knowledge on the considerations regarding cryptocurrency consumers and be ready when your bank is approached for services.

Who Should Attend: Chief Risk Officer, Compliance Officer, QA Analyst, Risk Officer, IT Director

Legal & Regulatory Compliance

Banking Cryptocurrency: BSA and Risk Considerations

With consumer and industry interest in cryptocurrencies rising, banks need to understand the risk and compliance considerations when looking to enter the cryptocurrency marketplace. In this session, learn what cryptocurrencies are, who the different cryptocurrency consumers are that might approach a financial institution for services, and the risk and compliance considerations a bank should consider when opening and maintaining accounts for cryptocurrency consumers. Build a base of knowledge on the considerations regarding cryptocurrency consumers and be ready when your bank is approached for services.

Who Should Attend: Chief Risk Officer, Compliance Officer, QA Analyst, Risk Officer, IT Director

Human Resources & Staff Training

HR as a Center of Excellence: Making Your Department the Hub of Culture & Engagement

The American workforce has more than 100 million full-time employees. One-third of those employees are engaged at work. They love their jobs and make their organization better every day. At the other end, 16% of employees are actively disengaged — they are miserable in the workplace and destroy what the most engaged employees build. The remaining 51% of employees are not engaged — they’re just there. How do you transform your workplace culture into a culture of engaged employees? This session will explore culture, engagement, and HR as a center of excellence for driving positive change.

Who Should Attend: MR Director, HR Manager, HR Business Partner

IT, Technology, & Operations

Customer Expectations, Elevating Capability, Strategic Solutions: Banks Adapting in a Changing Landscape

Whether you are new to banking or a grizzled veteran, learn how to expand your business and income by building strategic solutions and relationships. Join this webinar to learn about private debt funds and how they’re leveraged by banks as an alternative funding platform and springboard into commercial and multifamily bridge lending. Learn about utilizing practical solutions to navigate the customer expectations, elevate your institutions capability in servicing, funding and customer retention.

Who Should Attend: Credit & Lending Professionals, IT Manager, Information Technology Officer

Credit & Lending

Customer Expectations, Elevating Capability, Strategic Solutions: Banks Adapting in a Changing Landscape

Whether you are new to banking or a grizzled veteran, learn how to expand your business and income by building strategic solutions and relationships. Join this webinar to learn about private debt funds and how they’re leveraged by banks as an alternative funding platform and springboard into commercial and multifamily bridge lending. Learn about utilizing practical solutions to navigate the customer expectations, elevate your institutions capability in servicing, funding and customer retention.

Who Should Attend: Credit & Lending Professionals, IT Manager, Information Technology Officer

Credit & Lending

Asset Based Lending: Easier Said Than Done – Policy and Underwriting Guidance for ABL Receivables and Inventory

Asset-based lending (ABL) is a form of commercial lending designed to finance safely the working capital needs of a borrower whose cash flow may not support debt repayment. Like other commercial loans, cash flow is the primary repayment source for an asset-based loan but with stronger reliance on the company’s assets as collateral and firmer control over the receipts of the collateral’s liquidation. Monitoring and controlling collateral are critical to the asset-based lender to mitigate repayment risk. Collateral evaluation begins with a comprehensive field examination to determine value, followed by a continuing program of periodic examinations. The collateral and loan values are monitored continuously (daily/weekly/monthly) to ensure that the realizable value of the collateral is always enough to repay outstanding. This session will explain how the ABL policy and process must work to ensure the bank is repaid on time, in full, and as agreed

Who Should Attend: Credit Officer, Lending Officer, Risk Officer, Commercial Lending Officer

IT, Technology, & Operations

Aligning Leadership Development to Business Priorities

Leaders have the single most influence on employee performance. How well are your leaders aligned to the organization’s performance goals and business priorities? In this webinar, participants will learn what employees in the banking industry have to say about leadership—specifically, how leaders influence their engagement and motivation to achieve goals. Relevant topics to be discussed during the webinar include identifying operational improvement priorities, and the relationship of leadership excellence to achieving goals and results.

Who Should Attend: Bank Director, SVP, Operations Manager

IT, Technology, & Operations

Dancing with Fintech in Risk Shoes

Risk and compliance professionals have always been charged with creating a culture that made it possible for their organization to quickly adapt to regulatory changes, changing oversight trends, and evolving customer expectations. In this session, learn how the advent of fintech innovations in the delivery of banking products and services are creating heightened customer expectations around speed, ease of access, efficiency, and automation. This webinar will evaluate the risks banks should consider when undertaking a new fintech collaboration and how to successfully overlay compliance culture into a new venture.

Who Should Attend: Risk Professionals, Chief Technology Officer, Bank Director, Chief Compliance Officer, Compliance Professionals

Legal & Regulatory Compliance

Dancing with Fintech in Risk Shoes

Risk and compliance professionals have always been charged with creating a culture that made it possible for their organization to quickly adapt to regulatory changes, changing oversight trends, and evolving customer expectations. In this session, learn how the advent of fintech innovations in the delivery of banking products and services are creating heightened customer expectations around speed, ease of access, efficiency, and automation. This webinar will evaluate the risks banks should consider when undertaking a new fintech collaboration and how to successfully overlay compliance culture into a new venture.

Who Should Attend: Risk Professionals, Chief Technology Officer, Bank Director, Chief Compliance Officer, Compliance Professionals

IT, Technology, & Operations

How to Handle What You Don’t Know in ERM

When asking risk professionals what keeps them up at night, it used to be a litany of specific concerns. Today, that has shifted to “unknown, unknown” that is causing sleeplessness. In this session, attendees will find answers to the ERM questions that keep them up at night. This informative session will address the unknown areas within ERM and clearly identify the techniques and benchmarking behind ERM. Attendees will take away a better understanding into this broad topic.

Who Should Attend: Chief Risk Officers, Operations Officers, Compliance Officers, Credit Administration

Legal & Regulatory Compliance

How to Handle What You Don’t Know in ERM

When asking risk professionals what keeps them up at night, it used to be a litany of specific concerns. Today, that has shifted to “unknown, unknown” that is causing sleeplessness. In this session, attendees will find answers to the ERM questions that keep them up at night. This informative session will address the unknown areas within ERM and clearly identify the techniques and benchmarking behind ERM. Attendees will take away a better understanding into this broad topic.

Who Should Attend: Chief Risk Officers, Operations Officers, Compliance Officers, Credit Administration

Human Resources & Staff Training

Mental Health & Wellness in the Workplace

Workplace wellness is a relatively new concept that companies are still adopting into their culture. An engaged workforce translates to happy and satisfied employees. A positive work environment also results in increased productivity and loyalty.  In this session, learn how to evaluate your workplace, decide where to focus your resources, and create some big wins for you employees!

Who Should Attend: HR Manager, HR Analyst, HR Business Partner, People Operations Manager

Legal & Regulatory Compliance

Cloud Computing Contracts: How Banks Can Get the Best Terms

Cloud computing has become the central IT tool for financial institutions, yet few banks really understand cloud services contracts. Many, in fact, still address these agreements with an old on-premise software licensing script. Successful IT management demands better contracts. In this session, we’ll explore the key issues at stake in contracts for software-as-a-service (SaaS) and other forms of cloud computing. The goal is to teach bank staff to draft and negotiate these contracts better, faster, and with more confidence.  We’ll cover data rights, IP indemnities, data breach indemnities, service level agreements, vendor compliance, and much more.

Who Should Attend: Risk Professionals, Chief Technology Officer, Bank Director, Chief Compliance Officer, Compliance Professionals

IT, Technology, & Operations

Cloud Computing Contracts: How Banks Can Get the Best Terms

Cloud computing has become the central IT tool for financial institutions, yet few banks really understand cloud services contracts. Many, in fact, still address these agreements with an old on-premise software licensing script. Successful IT management demands better contracts. In this session, we’ll explore the key issues at stake in contracts for software-as-a-service (SaaS) and other forms of cloud computing. The goal is to teach bank staff to draft and negotiate these contracts better, faster, and with more confidence.  We’ll cover data rights, IP indemnities, data breach indemnities, service level agreements, vendor compliance, and much more.

Who Should Attend: Risk Professionals, Chief Technology Officer, Bank Director, Chief Compliance Officer, Compliance Professionals

Legal & Regulatory Compliance

ERM for the Boardroom: How to Report in a Way They’ll Understand

Many risk professionals can find it challenging to report the results of their enterprise risk management program to the board. In this session, learn how to speak to the different personality types around that ERM table in ways that bolster confidence in risk management leadership and program results. Success in the reporting has less to do with which report is chosen to present and more to do with better understanding the audience and how they consume data.

Who Should Attend: Chief Risk Officer, Compliance Officer, Credit Administration

IT, Technology, & Operations

Think Straight to Decide Right: Introduction to Critical Thinking

In this webinar, learn how to prioritize issues and problems, resolve an issue or solve a problem logically and mitigate possible biases that sometimes make it hard to think straight. Every day people deal with issues and hope to resolve them correctly, quickly, and cheaply. To do so means one needs to be able to sort the immediate and important issues from the less urgent and less critical problems. This means the problem needs to be identified, information and data needs to be gathered, solutions need to be explored, and then implementation happens. But analysis, evaluations, and decision processes can be distorted by various cognitive biases. Attendees will leave this session equipped to be able to tackle any issue their organization may face.

Who Should Attend: HR Business Partner, HR Analyst, Operations Manager, Branch Manager, Retail Branch Staff

Human Resources & Staff Training

Think Straight to Decide Right: Introduction to Critical Thinking

In this webinar, learn how to prioritize issues and problems, resolve an issue or solve a problem logically and mitigate possible biases that sometimes make it hard to think straight. Every day people deal with issues and hope to resolve them correctly, quickly, and cheaply. To do so means one needs to be able to sort the immediate and important issues from the less urgent and less critical problems. This means the problem needs to be identified, information and data needs to be gathered, solutions need to be explored, and then implementation happens. But analysis, evaluations, and decision processes can be distorted by various cognitive biases. Attendees will leave this session equipped to be able to tackle any issue their organization may face.

Who Should Attend: HR Business Partner, HR Analyst, Operations Manager, Branch Manager, Retail Branch Staff

IT, Technology, & Operations

Moving Your Bank Into the Digital World

Technology isn’t slowing down, nor are customer expectations for seamless experiences, so banks must be diligent in their deploying a digital-first strategy that keeps pace with both. This session will highlight the increasing trend toward the digital banking solutions that your customers expect and the technology that makes it all happen. Come hear success stories, strategies, and the latest trends that will move your institution forward into the digital age.

Who Should Attend: Chief Marketing Officer, Marketing Analyst, Digital Marketing Manager, Channel Marketing Manager, IT Manager, Database Manager

Marketing & Sales

Moving Your Bank Into the Digital World

Technology isn’t slowing down, nor are customer expectations for seamless experiences, so banks must be diligent in their deploying a digital-first strategy that keeps pace with both. This session will highlight the increasing trend toward the digital banking solutions that your customers expect and the technology that makes it all happen. Come hear success stories, strategies, and the latest trends that will move your institution forward into the digital age.

Who Should Attend: Chief Marketing Officer, Marketing Analyst, Digital Marketing Manager, Channel Marketing Manager, IT Manager, Database Manager

IT, Technology, & Operations

Vendor Management: Aligning Risk Management Practices & Business Objectives to Ensure Successful Outcomes

Banks are looking to increase efficiencies by partnering with fintech companies or using new technology to streamline processes, but don’t let flashy product demonstrations leave you with a false sense of optimism! Such goals can only be achieved with sufficient vetting before the contract is signed. In this session, learn how you can increase the likelihood for successful outcomes when outsourcing to third-party vendors to satisfy regulatory expectations while also achieving strategic business objectives. Learn from real-life case studies to develop concrete business requirements to form an effective RFP, properly leverage product demonstrations to assess the solution against those requirements and determine metrics to measure success.

Who Should Attend

Chief Technology Officer, IT Director, Chief Operating Officer, Branch Operations Leader, Chief Financial Officer

Credit & Lending

Credit Policy: Keeping Up Is Hard to Do

Right or wrong, credit policy is the organization’s rule book for its credit risk management strategy, and it also reflects the organization’s credit culture.. Both the market and the regulatory agencies expect the credit policy to be accurate, current, and succinct so that both line and credit have unambiguous and clear direction on how to identify, evaluate, underwrite, approve, book and monitor creditworthy clients. In this webinar, participants will learn how to diagnose their own credit policies to identify any gaps, and if so, how to write practical and understandable policies that meet regulatory expectations for content. 

Who Should Attend: Lending Professionals, Risk Professionals

Finance & Accounting

Balance Sheet Strategy: What Board Members & Senior Management Should Know in Any Environment

Given the challenging rate environment and mounting competitive pressures, banks must have a firm understanding of all the on- and off-balance sheet tactics that can protect earnings and capital while creating franchise value. Explore ways your bank can identify your exposure to interest rates, structurally higher funding costs, regulatory changes, capital considerations, and accounting implications. Additionally, this webinar will discuss how management teams can evaluate and communicate strategies that will address these exposures.

Who Should Attend: Chief Financial Officers, Accountants, Controllers, Financial Analysts, Treasury Management Officers

IT, Technology, & Operations

Five Proven Ways to Jump-Start Core Deposit Growth in 2020

Generating low-cost core deposits is an urgent strategic priority for financial institutions nationwide. In this highly-competitive, rising-rate environment, demand for core funding is high, and many community institutions are scrambling to keep pace. The challenge: old strategies to attract core deposits are no longer relevant to today’s consumers and the conventional wisdom that financial institutions have relied on in the past, no longer works. The solution: coaching financial executives to profitably grow core deposits, expand their branch networks, and successfully serve their broader communities. Join this webinar to learn how embracing and deploying a new strategy that rejects conventional wisdom and successfully resonates with consumers can revive your organizations bottom line.

Who Should Attend: Operations Officers, Information & Technology Officers, Chief Financial Officers, Vendor Management

IT, Technology, & Operations

Spotting Issues in the Most Important Due Diligence Documents

Properly reviewing vendor due diligence is necessary for vendor management success. During this session, we will demystify the structure and terminology of three of the most informative and important due diligence documents you should be getting from your vendors: SOC reports, financial statements, and business continuity plans. Receive tips on how you can review these documents and develop techniques for explaining results to your management.

Who Should Attend

Compliance Officer, Risk Officer, Vendor Management Officer, Operations Director, Chief Operations Officer, Senior Vice President, Vice President

Legal & Regulatory Compliance

Spotting Issues in the Most Important Due Diligence Documents

Properly reviewing vendor due diligence is necessary for vendor management success. During this session, we will demystify the structure and terminology of three of the most informative and important due diligence documents you should be getting from your vendors: SOC reports, financial statements, and business continuity plans. Receive tips on how you can review these documents and develop techniques for explaining results to your management.

Who Should Attend

Compliance Officer, Risk Officer, Vendor Management Officer, Operations Director, Chief Operations Officer, Senior Vice President, Vice President

Finance & Accounting

The 45-Minute Deposit Study

Key model assumptions for non-maturity deposits (beta and decay) often represent a major ALM modeling weakness at community banks. In this session, learn how to support these model assumptions using straightforward, transparent, and accepted methods. Implementing these methods will not only improve your exam and validation experience but will result in cleaner and more effective modeling. It’s much easier than you may expect.

Who Should Attend

Director, Chief Executive Officer, Chief Financial Officer, ALCO Member, Controller, Senior Financial Specialist, Risk Officer,

Credit & Lending

Industry and Management Evaluation for Lenders

Before an institution reviews a borrower’s financials, an evaluation of the industry and management structure needs to be conducted to ensure long term repayment success. This webinar will show how various industries tend to create an economic bubble within and how their management is tasked with strategizing growth and being profitable. Even in troubled industries, there are always a few firms, e.g., Southwest Airlines and Jet Blue in the airline industry, who have been successful.  This session will show how to analyze the borrower’s industry and its impact on management’s ability to repay.

Who Should Attend: Chief Risk Officer, Chief Lending Officer, Credit & Lending Professionals, Risk Professionals

IT, Technology, & Operations

Bank Application Security

A web page is a modern-day necessity that draws not only business, but hackers. Most banks offer web and mobile banking, which can create unique attack vectors that will not be spotted in a typical network penetration test. It is crucial that banks implement regular testing on their website and mobile applications to combat potential cyber-attacks. In this webinar, learn about the possible vulnerabilities in your web and mobile banking applications and how to know when they need to be tested.

Who Should Attend: Chief Technology Officer, Chief Information Security Officer, Data Integrity Manager, IT Manager, Database Manager

IT, Technology, & Operations

Avoiding Surprises in Mortgage Servicing

As banks face competitive challenges and increased regulatory and investor scrutiny, establishing internal monitoring systems to provide ongoing feedback on critical servicing components should be an integral part of the management structure for all loan servicers. Preventing surprises that can result in significant operational, regulatory, reputational, and financial burdens, if not detected on a timely basis is just as critical. In this webinar, attendees will learn about the challenges servicers have had managing and implementing the Consumer Financial Protection Bureau rules, especially related to servicing transfers. In addition to implementing the rules, regulatory and investor quality control requirements for the ongoing monitoring of servicing activities will be addressed.

Who Should Attend: Mortgage Loan Officer, Chief Finance Officer, Loan Administrator, Credit Officer, Underwriter, Loan Processor, Risk Officer, Compliance Professionals

Legal & Regulatory Compliance

Avoiding Surprises in Mortgage Servicing

As banks face competitive challenges and increased regulatory and investor scrutiny, establishing internal monitoring systems to provide ongoing feedback on critical servicing components should be an integral part of the management structure for all loan servicers. Preventing surprises that can result in significant operational, regulatory, reputational, and financial burdens, if not detected on a timely basis is just as critical. In this webinar, attendees will learn about the challenges servicers have had managing and implementing the Consumer Financial Protection Bureau rules, especially related to servicing transfers. In addition to implementing the rules, regulatory and investor quality control requirements for the ongoing monitoring of servicing activities will be addressed.

Who Should Attend: Mortgage Loan Officer, Chief Finance Officer, Loan Administrator, Credit Officer, Underwriter, Loan Processor, Risk Officer, Compliance Professionals

Credit & Lending

The GAAP Gap: What Recent Changes in US GAAP Accounting Mean for Borrowers and Lenders

Much of the change in GAAP in recent years is the result of collaboration between the Financial Accounting Standards Board (FASB) and the International Accounting Standards Board (IASB) to bring US and international accounting principles closer together.  At some point, both groups decided they were as close as they would be likely to get on several key concepts—revenue recognition, lease capitalization, and CECL. This session will explain these new concepts and how they affect borrowers and how lenders should incorporate these changes into their own analyses and underwriting of borrowers.

Who Should Attend: Director of Finance, Lending Professionals, Accounting Professionals

Finance & Accounting

The GAAP Gap: What Recent Changes in US GAAP Accounting Mean for Borrowers and Lenders

Much of the change in GAAP in recent years is the result of collaboration between the Financial Accounting Standards Board (FASB) and the International Accounting Standards Board (IASB) to bring US and international accounting principles closer together.  At some point, both groups decided they were as close as they would be likely to get on several key concepts—revenue recognition, lease capitalization, and CECL. This session will explain these new concepts and how they affect borrowers and how lenders should incorporate these changes into their own analyses and underwriting of borrowers.

Who Should Attend: Director of Finance, Lending Professionals, Accounting Professionals

Credit & Lending

CECL Approach & Preparedness for Community Banks

With the implementation of CECL still being a fairly new concept for banks, having the opportunity to see how other banks have implemented this approach can serve as a valuable tool for implementation. This session will offer a walkthrough of a bank’s excel templates, dashboards, and other technical documentation. Attendees will get a front row seat to one bank’s white paper on their CECL methodology. Learn how they have implanted their model and manage data to produce a timely CECL allowance.

Who Should Attend: Chief Financial Officer, Controller, Chief Credit Officer, Chief Banking Officer, Compliance Officer, Auditor

Finance & Accounting

CECL Approach & Preparedness for Community Banks

With the implementation of CECL still being a fairly new concept for banks, having the opportunity to see how other banks have implemented this approach can serve as a valuable tool for implementation. This session will offer a walkthrough of a bank’s excel templates, dashboards, and other technical documentation. Attendees will get a front row seat to one bank’s white paper on their CECL methodology. Learn how they have implanted their model and manage data to produce a timely CECL allowance.

Who Should Attend: Chief Financial Officer, Controller, Chief Credit Officer, Chief Banking Officer, Compliance Officer, Auditor

Legal & Regulatory Compliance

CECL Approach & Preparedness for Community Banks

With the implementation of CECL still being a fairly new concept for banks, having the opportunity to see how other banks have implemented this approach can serve as a valuable tool for implementation. This session will offer a walkthrough of a bank’s excel templates, dashboards, and other technical documentation. Attendees will get a front row seat to one bank’s white paper on their CECL methodology. Learn how they have implanted their model and manage data to produce a timely CECL allowance.

Who Should Attend: Chief Financial Officer, Controller, Chief Credit Officer, Chief Banking Officer, Compliance Officer, Auditor

Finance & Accounting

Banking Large Block Depositors – Collateral Mechanisms

For community-focused financial institutions, attracting large-block depositors can be a challenge when they require or request securitization of their deposits in excess of FDIC /NCUA insured limits. However, there are a number of securitization options available to financial institutions. In this session, attendees will learn to understand the complexities of each securitization method and how they may vary by the type of depositor, which is key for a financial institution to successfully execute their larger block funding strategy.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Chief Financial Officer, Director

IT, Technology, & Operations

Banking Large Block Depositors – Collateral Mechanisms

For community-focused financial institutions, attracting large-block depositors can be a challenge when they require or request securitization of their deposits in excess of FDIC /NCUA insured limits. However, there are a number of securitization options available to financial institutions. In this session, attendees will learn to understand the complexities of each securitization method and how they may vary by the type of depositor, which is key for a financial institution to successfully execute their larger block funding strategy.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Chief Financial Officer, Director

Human Resources & Staff Training

Understanding Behavior

Communication is key in any situation; understanding our own behavior and recognizing the behavior styles of others serves to open-up communication at a deeper level to serve others both inside and outside of the organization. In this session, identify your preferred communication style and how to relate and work with others who have a style different from your own. In a service-driven business, it is important to recognize how someone needs to be communicated with in order to establish trust, care, and help them achieve their goals.

Who Should Attend: HR Manager, HR Analyst, VP of HR, Customer Service Manager, Sales and Service Manager

Legal & Regulatory Compliance

Emerging Cybersecurity Threats

As cyber-criminals continue to develop new attack vectors, banks must be ready to defend against attacks such as mobile malware, fake mobile banking applications, web skimming, and crypto-jacking in order to keep data and customers safe. This session will review not only the threat these attacks pose, but how to effectively select and implement the best prevention and mitigation strategy possible for each of these vectors. Learn to implement effective mitigation strategies to thwart attack vectors and establish a proactive approach to cybersecurity.

Who Should Attend: Chief Compliance Officer, Chief Risk Officer, IT Director, Chief of Technology

IT, Technology, & Operations

Emerging Cybersecurity Threats

As cyber-criminals continue to develop new attack vectors, banks must be ready to defend against attacks such as mobile malware, fake mobile banking applications, web skimming, and crypto-jacking in order to keep data and customers safe. This session will review not only the threat these attacks pose, but how to effectively select and implement the best prevention and mitigation strategy possible for each of these vectors. Learn to implement effective mitigation strategies to thwart attack vectors and establish a proactive approach to cybersecurity.

Who Should Attend: Chief Compliance Officer, Chief Risk Officer, IT Director, Chief of Technology

Finance & Accounting

Advanced Tax Return Analysis

This webinar will provide attendees several advanced tax return concepts and related analyses to help effectively work with business customers. The webinar will begin with a brief review of analyzing a business owner’s personal “1040” tax return and the return of an LLC, S corporation, and C corporation including Schedules M-1 and M-2, Schedule K-1, pass-through transactions, and other deductions.

Who Should Attend: Chief Financial Officer, Controller, Finance Officer, Finance Specialist, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer

IT, Technology, & Operations

Leading by Example: Effective Board Evaluation Programs in a Disruptive Business Environment

In an era of disruptive technology, economic uncertainty and evolving and expanding operational risk, bank regulators and investors are increasingly focused on board composition, as well as board refreshment mechanisms. In this webinar, explore the business case for periodic board evaluations and review the tools to assist organizations in developing, conducting and monitoring an effective board evaluation program. An effective board evaluation program serves as a valuable tool to help ensure the board’s composition and strengths align with the organization’s strategy, business objectives and risk profile.

Who Should Attend: Chief Operating Officer, Director, Risk Officer

Credit & Lending

Determining When to Term Out a Line of Credit

A line of credit (LOC) is a valuable lending tool for a borrower that needs working capital. However, if a client’s situation changes and long term repayment will be affected, the bank needs to assess when and how to term out their loan. This session will provide guidance on what to do–before the line goes bad and after the borrower has defaulted. The emphasis will be on the former because if the problem can be identified beforehand, mitigating the risk can be done by terminating the line and terming the balance out.

Who Should Attend: Credit Analysts, Credit Specialists, Junior & Senior Lenders, Underwriters, Relationship Managers, Business Bankers, Commercial Lenders, Business Development Officers

Human Resources & Staff Training

How Effective are Your Retail Management Routines?

Practicing consistent management routines and leading by example provides a clear, transparent roadmap for branch staff to emulate. This webinar will discuss common pitfalls branch management may experience with current routines and teach attendees how to create effective, impactful routines to lead their team to success. This webinar will also identify how to scale routines for universal use throughout your entire organization and how to create best practices for organizations of all sizes.

Who Should Attend: HR Manager, HR Business Partner, Training Manager, Branch Management

IT, Technology, & Operations

An Update on California’s Consumer Privacy Act – What’s Changed Since it was Enacted in 2018

The effective date for the California Consumer Privacy Act (CCPA) of 2018 is just around the corner and banks are working diligently to comply. The CCPA establishes consumer rights: to know the personal information a business collects on them, to delete their personal information, to limit/prevent sale of their personal information, and to be free of discrimination in the offering and pricing of services based on the consumer’s exercising these rights. In this session, we will review key provisions of the Act and will share recent revisions enacted by the California Legislature. Join us for this important webinar and learn about the requirements of the Act and areas in which banks will need to comply.

Who Should Attend: Risk Officer, Chief Operational Officer, Director, Legal

Legal & Regulatory Compliance

An Update on California’s Consumer Privacy Act – What’s Changed Since it was Enacted in 2018

The effective date for the California Consumer Privacy Act (CCPA) of 2018 is just around the corner and banks are working diligently to comply. The CCPA establishes consumer rights: to know the personal information a business collects on them, to delete their personal information, to limit/prevent sale of their personal information, and to be free of discrimination in the offering and pricing of services based on the consumer’s exercising these rights. In this session, we will review key provisions of the Act and will share recent revisions enacted by the California Legislature. Join us for this important webinar and learn about the requirements of the Act and areas in which banks will need to comply.

Who Should Attend: Risk Officer, Chief Operational Officer, Director, Legal

Credit & Lending

Rethinking Q Factors with CECL

A new accounting standard means lots of changes, including how to calculate and document qualitative factors (Q factors). In this webinar, gain an understanding of Q factors with CECL, learn how Q factors need to be applied, and how they vary based on the complexity of a loan portfolio and your chosen model. Additionally, this webinar will provide an understanding of how different statistical approaches justify qualitative adjustments. This session will also offer insights on the AICPA’s recently released guidelines for auditing CECL, taking a specific look at what they say about Q factors.

Who Should Attend: Credit Analyst, Loan Officer, Risk Officer, VP of Accounting, CFO

Legal & Regulatory Compliance

Rethinking Q Factors with CECL

A new accounting standard means lots of changes, including how to calculate and document qualitative factors (Q factors). In this webinar, gain an understanding of Q factors with CECL, learn how Q factors need to be applied, and how they vary based on the complexity of a loan portfolio and your chosen model. Additionally, this webinar will provide an understanding of how different statistical approaches justify qualitative adjustments. This session will also offer insights on the AICPA’s recently released guidelines for auditing CECL, taking a specific look at what they say about Q factors.

Who Should Attend: Credit Analyst, Loan Officer, Risk Officer, VP of Accounting, CFO

Finance & Accounting

Rethinking Q Factors with CECL

A new accounting standard means lots of changes, including how to calculate and document qualitative factors (Q factors). In this webinar, gain an understanding of Q factors with CECL, learn how Q factors need to be applied, and how they vary based on the complexity of a loan portfolio and your chosen model. Additionally, this webinar will provide an understanding of how different statistical approaches justify qualitative adjustments. This session will also offer insights on the AICPA’s recently released guidelines for auditing CECL, taking a specific look at what they say about Q factors.

Who Should Attend: Credit Analyst, Loan Officer, Risk Officer, VP of Accounting, CFO

Finance & Accounting

Funding Your FI in the New Age – Keys to Your Funding Options

This session will provide best practices to manage funding costs and risk management needs while providing the framework to better leverage core deposits. In this session, attendees will address how “big bank” liquidity rules impact deposit markets and access the role and strategy of various funding sectors. Join this webinar to grasp a deeper understanding of liquidity rules and learn how your institution can benefit from having a clear understanding of this framework.  

Who Should Attend: Credit Analyst, Chief Credit Officer, Chief Risk Officer, VP of Accounting, Chief Financial Officer

Credit & Lending

Funding Your FI in the New Age – Keys to Your Funding Options

This session will provide best practices to manage funding costs and risk management needs while providing the framework to better leverage core deposits. In this session, attendees will address how “big bank” liquidity rules impact deposit markets and access the role and strategy of various funding sectors. Join this webinar to grasp a deeper understanding of liquidity rules and learn how your institution can benefit from having a clear understanding of this framework.  

Who Should Attend: Credit Analyst, Chief Credit Officer, Chief Risk Officer, VP of Accounting, Chief Financial Officer

Marketing & Sales

Standing for Equality: Connecting with LGBTQ Customers

Financial institutions are increasingly evaluated for their perceived or actual stance on social issues. On this 50th anniversary year of the 1969 Stonewall Riots, many larger banks and credit unions will deliver messages of inclusion and LGBTQ equality. As consumers become more accepting of the LGBTQ community, companies realize that showing support for equality makes good business sense. This webinar explores why and how smaller institutions should finally take a stand for equality.

Who Should Attend: Chief Marketing Officer, Marketing Director, VP of Human Resources, Director of HR, HR Analyst, HR Business Partner

Human Resources & Staff Training

Standing for Equality: Connecting with LGBTQ Customers

Financial institutions are increasingly evaluated for their perceived or actual stance on social issues. On this 50th anniversary year of the 1969 Stonewall Riots, many larger banks and credit unions will deliver messages of inclusion and LGBTQ equality. As consumers become more accepting of the LGBTQ community, companies realize that showing support for equality makes good business sense. This webinar explores why and how smaller institutions should finally take a stand for equality.

Who Should Attend: Chief Marketing Officer, Marketing Director, VP of Human Resources, Director of HR, HR Analyst, HR Business Partner

IT, Technology, & Operations

The Opportunity for Capturing Deposits and Growing Savings at Tax Time

For many customers, a tax refund represents the single largest transaction of the year and their best opportunity to make significant progress toward financial goals. Yet most banks let this moment pass by without making offers to help customers take advantage of the refund windfall. In this webinar, attendees will learn more about the role tax refunds play in customers’ lives and explore innovative concepts to help them leverage the moment to build savings. Learn how your financial institution can be a vehicle for greater financial security at the most opportune moment in a customer’s financial year.

Who Should Attend: Chief Banking Officer, Branch Manager, Sales Managers, Retail & Product Managers, New Accounts Managers

Human Resources & Staff Training

Develop Meaningful Job Descriptions

Job descriptions serve a multitude of purposes to an organization. They have a vital role in recruitment, succession planning, salary administration, coaching, and performance management, as well as serving as necessary legal and compliance documents. But, how effective are they in meeting these critical objectives? In this session, we will look at some tips and tricks to take  job descriptions beyond just being a laundry list of position to-dos and candidate must-haves to a document that is effective at meeting the needs of the organization, guiding employees in their career paths, attracting the best quality talent in your recruitments, and maintaining legal compliance.

Who Should Attend: VP of HR, HR Manager, HR Business Partner, HR Analyst, Director of HR

Credit & Lending

How to Develop a Strong Credit Culture

Credit culture plays a vital role in successful credit risk management. In this webinar, the critical elements of credit culture will be identified, including key credit discipline tools and the four types of credit cultures. Attendees will learn to evaluate these essentials in terms of their impact on credit risk management and moving towards a stronger credit culture.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Fair Lending Manager, Consumer Loan Officer, Junior Loan Officer

Human Resources & Staff Training

Reward & Recognition: Not All Programs are Created Equal

As the workforce changes and employee loyalty declines, the methods for keeping our employees engaged and feeling valued must be a priority. In this webinar, examine the various motivations of the workforce and how to create effective reward and recognition programs to keep employees engaged. Engaged employees are happy employees which leads to a more stable workforce and contributes to employee loyalty to an organization.

Who Should Attend: VP of HR, HR Manager, HR Business Partner, HR Analyst, Director of HR

Marketing & Sales

Big Ideas for Bank Marketing – Strategies to Shake Up the Status Quo in 2020

Customer expectations are at an all-time high and only the creative, agile marketer will be able to help their institution stay competitive in the year ahead. In this webinar, participants will explore emerging consumer behaviors and the marketing trends that should guide strategic choices in 2020. Increasingly, marketing success will depend on a marketer’s understanding and use of the innovative new tools, platforms, and technologies that are disrupting the bank marketing landscape.

Who Should Attend: Marketing Director, Marketing Strategist, Digital Marketing Coordinator, Marketing Content Writer

IT, Technology, & Operations

Write Right to Better Business Communication

Good leaders walk the talk, but they also “write right”. They know how to say in a few words what needs to be said in crisp, clear language. The road to bad communication is paved with good intentions and poor construction. Readers know when subjects and verbs don’t agree, when punctuation misses the point, when words don’t fit and content is confusing. In this session, learn how a few basic rules on grammar, punctuation, and usage can improve business written communications with clearer, more succinct content.

Who Should Attend: Chief Marketing Officer, Marketing Director, Content Strategist, VP of Operations

Marketing & Sales

Write Right to Better Business Communication

Good leaders walk the talk, but they also “write right”. They know how to say in a few words what needs to be said in crisp, clear language. The road to bad communication is paved with good intentions and poor construction. Readers know when subjects and verbs don’t agree, when punctuation misses the point, when words don’t fit and content is confusing. In this session, learn how a few basic rules on grammar, punctuation, and usage can improve business written communications with clearer, more succinct content.

Who Should Attend: Chief Marketing Officer, Marketing Director, Content Strategist, VP of Operations

Legal & Regulatory Compliance

Culture and Conduct Risk: How a Strong Culture of Compliance Can Mitigate Risk

Organizational culture has a direct impact on the conduct of its employees which in turn impacts the success of the institution’s risk management activities. In this webinar, bankers will learn how to implement a strong culture from the top down and how not doing so can directly affect reputational risk, conduct risk, and employee retention. Culture and conduct risk are becoming an industry focus point. It is important to place focus on these areas, as regulators will assess the health of your organization’s culture as well as the level of conduct risk present in your institution.

Who Should Attend: Chief Compliance Officer, Compliance Officer, Chief Risk Officer, RQA Analyst

IT, Technology, & Operations

Current Regulatory Hot Spots

Regulators have shifting areas of emphasis and evolving expectations as to how banks address risk management challenges and implement best practices. In this webinar, participants will identify areas of examination criticism based on a review of Safety & Soundness and Compliance Examination reports, and augment that with how to address current regulatory “hot spots.” There are many guidance statements out there, but it is crucial to understand how they are interpreted, applied, and prioritized.

Who Should Attend: Chief Information Officer, Chief Technology Officer, Chief Information Security Officer, Technology Risk Officer, Risk Officer, Compliance Officer

IT, Technology, & Operations

Information Security & Risk Assessments

Risk management is a key component of just about every action and decision a bank makes, and those risks can be difficult to determine in a measured and consistent way. Information security can be a particularly challenging area to gauge risk, but there are methodologies for risk mitigation, including technical, personnel, and procedural strategies. In this session, learn the fundamentals of information security and risk management, including sample frameworks and risk mitigation methodologies.  

Who Should Attend: Chief Information Officer, Chief Technology Officer, Chief Information Security Officer, Technology Risk Officer, Risk Officer, Compliance Officer

Finance & Accounting

2019 Mid-Year Review of Community Bank Performance

More than halfway through 2019, it is time to review the current state of affairs in the community bank industry. This webinar will provide an overview of emerging trends in the financial industry ranging from interest rates, deposits and loans, and economic factors. The goal of this webinar is to provide a clear understanding of what is taking place in the community bank environment and what to expect for the remainder of 2019.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer, Compliance Officer, Business Banking Officer, Chief Financial Officer, Balance Sheet Management

IT, Technology, & Operations

2019 Mid-Year Review of Community Bank Performance

More than halfway through 2019, it is time to review the current state of affairs in the community bank industry. This webinar will provide an overview of emerging trends in the financial industry ranging from interest rates, deposits and loans, and economic factors. The goal of this webinar is to provide a clear understanding of what is taking place in the community bank environment and what to expect for the remainder of 2019.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer, Compliance Officer, Business Banking Officer, Chief Financial Officer, Balance Sheet Management

Credit & Lending

Utilizing Cash Flow Projections to Determine Repayment Ability

Cash flow projections force borrowers to think about their futures, and it is reasonable to expect a borrower to prove that they can repay a proposed loan based on their projected cash flow. A cash flow projection also requires the balance sheet and income statement to be projected, and the links among balance sheet, income statement, and cash flow are critical assumptions to be tested and validated.

Who Should Attend: Loan Officers, Relationship Managers, Business Bankers, Commercial Lenders

Legal & Regulatory Compliance

Innovative Savings Solutions to Reach New Consumers While Building Their Financial Security

Innovative savings solutions like prize-linked savings (PLS) are transforming the experience of savings and helping millions of people across the country develop a financial buffer for emergency expenses. In this webinar, hear from Commonwealth, a mission-driven organization leading the efforts to bring financial security and opportunity to all Americans, about the history of PLS, the current legislative landscape in the 13 states that WBA serves, and how PLS products benefit financial institutions and consumers. Now is the time for financial institutions to compete with fintechs and retail giants like Walmart and introduce new approaches to saving to help their consumers build financial security. 

Who Should Attend: Director of Marketing, Marketing Strategist, Compliance Officer, Product Developer

Marketing & Sales

Innovative Savings Solutions to Reach New Consumers While Building Their Financial Security

Innovative savings solutions like prize-linked savings (PLS) are transforming the experience of savings and helping millions of people across the country develop a financial buffer for emergency expenses. In this webinar, hear from Commonwealth, a mission-driven organization leading the efforts to bring financial security and opportunity to all Americans, about the history of PLS, the current legislative landscape in the 13 states that WBA serves, and how PLS products benefit financial institutions and consumers. Now is the time for financial institutions to compete with fintechs and retail giants like Walmart and introduce new approaches to saving to help their consumers build financial security. 

Who Should Attend: Director of Marketing, Marketing Strategist, Compliance Officer, Product Developer

Credit & Lending

Surfing the Business Cycle: Lending through Its Ups and Downs

As bankers and borrowers work through the business cycle, lenders with a little cycle savvy can help their clients meet their credit needs through the phases of the cycle. This webinar explains how those needs change from one phase to the next and how lenders can give clients what they need, and lenders will learn how to anticipate their clients’ credit needs to help them survive the stresses of expansion and contraction. Industries and borrowers most vulnerable to downturns and those less susceptible to recession will be identified.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, Loan Review Officer, Credit Analyst, Junior Loan Officer

IT, Technology, & Operations

Deep Dive – A Detailed Evaluation of Your Critical Vendors

Relying on critical vendors means having a monitoring system and governance around these relationships. Ensuring that enough is being done to safeguard the workflow and management around the services critical vendors perform for financial institutions can be challenging. In this webinar, learn how to approach the review of a critical vendor including identifying key criteria, monitoring considerations, and evaluating the risks involved in working with critical vendors.

Who Should Attend: Compliance Officer, Risk Officer, Vendor Management Officer, Operations Director, Chief Operations Officer, Senior Vice President, Vice President

Legal & Regulatory Compliance

Deep Dive – A Detailed Evaluation of Your Critical Vendors

Relying on critical vendors means having a monitoring system and governance around these relationships. Ensuring that enough is being done to safeguard the workflow and management around the services critical vendors perform for financial institutions can be challenging. In this webinar, learn how to approach the review of a critical vendor including identifying key criteria, monitoring considerations, and evaluating the risks involved in working with critical vendors.

Who Should Attend: Compliance Officer, Risk Officer, Vendor Management Officer, Operations Director, Chief Operations Officer, Senior Vice President, Vice President

Legal & Regulatory Compliance

When is Default Interest Allowed Under California Law?

While charging additional interest upon a borrower’s default is common in California, courts eye the default interest rate provision suspiciously. In this webinar, examine the concept behind default interest rate provisions and the impact of recent case law on its enforceability. If an institution currently charges default interest or is considering doing so in the future, this session is a must.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer, Compliance Officer

Credit & Lending

When is Default Interest Allowed Under California Law?

While charging additional interest upon a borrower’s default is common in California, courts eye the default interest rate provision suspiciously. In this webinar, examine the concept behind default interest rate provisions and the impact of recent case law on its enforceability. If an institution currently charges default interest or is considering doing so in the future, this session is a must.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer, Compliance Officer

Legal & Regulatory Compliance

Health Check of Your Fair Lending Program: Connecting Risk Assessment and Performance Analysis

History has taught that the regulatory landscape is ever-evolving, and strong compliance programs are able to adjust to changes when necessary; yet the path to ensuring fair lending compliance has not always been an easy one, especially given the implementation of expanded HMDA data and mixed messages on heightened fair lending risks. In this webinar, discover how risk assessment drives the priority of performance analysis and, in turn, how performance analysis should factor in determining control effectiveness and overall residual risk. Effectively connecting these two components will enable the institution to successfully navigate the challenging environment of fair lending compliance.

Who Should Attend: Chief Compliance Officer, Chief Risk Officer, Fair Lending Officer

Credit & Lending

Health Check of Your Fair Lending Program: Connecting Risk Assessment and Performance Analysis

History has taught that the regulatory landscape is ever-evolving, and strong compliance programs are able to adjust to changes when necessary; yet the path to ensuring fair lending compliance has not always been an easy one, especially given the implementation of expanded HMDA data and mixed messages on heightened fair lending risks. In this webinar, discover how risk assessment drives the priority of performance analysis and, in turn, how performance analysis should factor in determining control effectiveness and overall residual risk. Effectively connecting these two components will enable the institution to successfully navigate the challenging environment of fair lending compliance.

Who Should Attend: Chief Compliance Officer, Chief Risk Officer, Fair Lending Officer

IT, Technology, & Operations

Three Midyear Trends Financial Institutions Can Take to the Bank

The world outside the windows of most banking executives continues to be a challenging place. Just 12 years ago, there was no such thing as the smartphone as it’s known today; now only four percent of Americans have only a smartphone with almost half having at least four devices. While there are many things afoot to keep track of, this webinar will focus on areas where action in response to trends will drop value to a financial institution’s bottom line. Case studies and pragmatic, profitable steps to achieve positive impacts will be provided, along with the opportunity to ask questions of the presenter.

Who Should Attend: Chief Digital Strategy Officer, Chief Technology Officer, Technology Product Manager, E-Channel Manager, Risk Officer

IT, Technology, & Operations

How to Block Network Threats at Massive Scale

Banks are at the forefront of cyberattacks. Keeping information safe is critical to maintaining customer confidentiality, ensuring regulatory compliance, and protecting the brand. During this webinar, learn how threat intelligence gateways provide a simple and powerful threat intelligence solution for banks, discuss the features and functionality recommendations for this emerging technology, and explore how the Bandura Cyber Threat Intelligence Gateway (TIG) delivers a holistic threat intelligence solution by identifying and blocking 100+ million threat indicators, at line speed.

Who Should Attend: Chief Information Officer, Chief Technology Officer, Chief Information Security Officer, Technology Officer, Chief Risk Officer, Risk Manager, Vendor Management Officer

Credit & Lending

How Did That Go Through? Loan Origination Fraud and Wire Transfer Fraud on the Rise

The last few years have seen a dramatic increase in both loan origination fraud and wire transfer fraud. In this webinar, explore how these schemes are perpetrated, the red flags to look for, and how to implement fraud prevention procedures.

Who Should Attend: Chief Risk Officer, Fraud Manager, Operational Risk Officer, EFT Specialist, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer

IT, Technology, & Operations

How Did That Go Through? Loan Origination Fraud and Wire Transfer Fraud on the Rise

The last few years have seen a dramatic increase in both loan origination fraud and wire transfer fraud. In this webinar, explore how these schemes are perpetrated, the red flags to look for, and how to implement fraud prevention procedures.

Who Should Attend: Chief Risk Officer, Fraud Manager, Operational Risk Officer, EFT Specialist, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer

Legal & Regulatory Compliance

How Did That Go Through? Loan Origination Fraud and Wire Transfer Fraud on the Rise

The last few years have seen a dramatic increase in both loan origination fraud and wire transfer fraud. In this webinar, explore how these schemes are perpetrated, the red flags to look for, and how to implement fraud prevention procedures.

Who Should Attend: Chief Risk Officer, Fraud Manager, Operational Risk Officer, EFT Specialist, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer

Legal & Regulatory Compliance

10 Ways Your Team Can Improve Risk Monitoring

Risk monitoring touches every department and business process of a financial institution. Identifying, assessing, mitigating, and monitoring risk requires an inclusive strategy that ensures everyone’s involvement. This webinar is tailor-made for bankers interested in deepening their knowledge of the scope of risk and improving risk monitoring. This webinar will offer advice for improving risk monitoring in 10 areas: Enterprise Risk Management (ERM), Risk Assessment vs. Risk Monitoring, Risk Tolerance vs. Risk Appetite, Inherent Risk vs. Residual Risk, Risk Response Strategies, Key Indicators (KPIs and KRIs), Regulatory Requirements Related to Risk, Industry Challenges, Processes and Strategies, and Collaborate Tools.

Who Should Attend: Chief Risk Officer, Chief Compliance Officer, Risk Manager, Vendor Management Officer, Compliance Officer

IT, Technology, & Operations

Liquidity Strategies for Illiquid Stocks

Many community bank common stocks do not have true market liquidity, which is the ability of the shareholder to convert their shares to cash at a fair price in a timely manner. This webinar will present several different specific liquidity strategies for illiquid stocks. Engage in a practical, informative, and in-depth discussion on use of the bank holding company, ESOPs and KSOPs and other liquidity strategies that community banks can employ to ensure their shareholders enjoy true liquidity in the investment, in the event it is needed.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Chief Financial Officer, Director

Finance & Accounting

Advanced Cash Flow Analysis

Explore multiple models of cash flow analyses to advance a deeper understanding of the topic. The webinar will begin with the business “traditional” EBITDA cash flow and personal cash flow of the business owner (using the 1040 tax return, including tax schedules and K-1s, and the personal financial statement). Additionally, the Global Cash Flow or combined business and personal cash flow model will be reviewed.

Who Should Attend: Chief Financial Officer, Controller, Finance Officer, Finance Specialist, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer

Credit & Lending

Lending to Small Business

Lending to small businesses is different than extending credit to larger firms. The smaller business borrower often has less information to share and a shorter track record to offer. This webinar is aimed at showing bankers how to make safe loans to these challenging borrowers. Attendees will learn how to gather and evaluate the right information on the borrower as well as estimate repayment ability through several methods.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, SBA Credit Analyst, Junior Loan Officer

Credit & Lending

Ratios & Covenants – What, Why, & When?

Discover how credit risk varies and how to create covenants and ratios that will protect the bank by helping to ensure the borrower will repay on time, in full, and as agreed. During this webinar, attendees will review the “triple trinity” of purpose, repayment ability, and structure. Discussions will include a summary of the key elements of knowing the customer and red flags bankers must look for.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Loan Officer, Chief Credit Coordinator, Business Development Officer, Junior Loan Officer

IT, Technology, & Operations

Website Accessibility Issues Under the ADA

In recent years, the loan origination and servicing industry have been hit with a wave of lawsuits and demand letters from law firms representing blind individuals claiming they were denied the use of various originator and servicer websites because those websites failed to comply with ADA standards for accessibility to individuals with disabilities.

Legal & Regulatory Compliance

Website Accessibility Issues Under the ADA

In recent years, the loan origination and servicing industry have been hit with a wave of lawsuits and demand letters from law firms representing blind individuals claiming they were denied the use of various originator and servicer websites because those websites failed to comply with ADA standards for accessibility to individuals with disabilities.