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Pay It Forward Initiative

Pay It Forward Initiative
Working Wardrobes

In the long-standing tradition of WBA’s Women in Banking Forum, we are excited to announce this year’s Pay-It-Forward beneficiary, Working Wardrobes, who are celebrating 30 years of service. Working Wardrobes is a nonprofit organization dedicated to helping women, men, young adults, and veterans overcome difficult challenges so they can achieve the dignity of work and the power of a paycheck. By providing a full menu of career development services in addition to their clients having access to professional attire, Working Wardrobes supports transformation from the inside out.

At this year’s Women in Banking Forum, we welcome the local chapter president, who will personally accept donations from our generous bankers and partners. Please help bridge the gap from a difficult past to a bright future by donating your gently used professional attire and accessories. WBA will have a drop-off designation at the event.

The road to success is a journey, and we are honored to contribute to this worthy cause. For more information, please contact Montana Townsend at mtownsend@westernbankers.com or call direct at (916) 438-4427.

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.

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

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

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Human Trafficking – Closer to Home Than You Think

Human trafficking—a form of modern slavery—is one of the fastest growing criminal activities in the world. It exploits an estimated 45 million people a year and generates approximately $150 billion in profits. Though the concept of human slavery is certainly not new, some are unaware of the impact and extent of human trafficking both abroad and at home – in our own backyard. In this webinar, learn the red flags and victim indicators so that financial institutions can do their part to help disrupt this heinous crime.

Who Should Attend: Compliance Officer, Risk Officer, BSA/AML Officer, Branch Manager, Operations Manager

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Weeding Through the Risks of Banking the Cannabis Industry

The cannabis industry can be hazy for financial professionals when deciphering what is legal at the federal level and what has passed for each state. Is it safe from a regulatory standpoint to provide traditional banking services to cannabis-related businesses? Now that the Farm Bill has passed, is hemp and CBD 100% legal at the federal level? In this webinar, learn the differences in each aspect of the cannabis business and the risks associated with banking these riskier clients.

Who Should Attend: CEO, COO, Compliance Officer, Risk Officer, BSA/AML Officer, Director

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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 hellish 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 when content is confusing. In this session, learn how a few basic rules on grammar, punctuation, and usage can improve business written communications with content that is clear and succinct.

Who Should Attend: Marketing Manager, Communications Manager, Human Resources Officer, Technical Writer, All Positions Responsible for Written Communications, Memos, and/or Reports

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Credit Analysis Basics

Attend this proactive session and learn how banks make lending decisions based on the five Cs of credit: capacity, capital, collateral, conditions, and character. The webinar will cover the basics of the three main areas of lending — consumer, mortgage, and commercial lending. Each of the three areas will be illustrated with real-life case studies. Attendees will also be exposed to loan structure, loan support, and documentation issues and how they are an intricate part of the lending process. Additionally, the basics of loan compliance will be provided, including Reg B, Reg Z, TRID, BSA, and Fair Credit Reporting.

Who Should Attend: Consumer Loan Officer, Mortgage Loan Officer, Commercial Loan Officer, Credit Analyst, Business Development Officer, Junior Loan Officer, Retail Branch Officer, Front-Line Staff

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Strong Third-Party Risk Management (TPRM) Practices – Part III: Monitoring and Reporting

In the third and final session of the series, the focus will be on how to effectively monitor and report on third-parties, both individually for higher tier/higher risk vendors. Additionally, for the bank’s portfolio of third-parties overall, this session will provide the board and senior management with a clear understanding of the bank’s overall third-party risk profile and related key risks.

Who Should Attend: Risk Officer, Operational Risk Officer, Vendor Management Officer, Compliance Officer

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Non-Executive Compensation Concerns (Staff Level)

This session will address pay equity regulations, setting job grades, and determining base salary and appropriate raises for employees. The presenters will provide information on conducting market research using industry surveys, using market research to establish and set salary grades, having effective job descriptions and performance evaluations, and linking salary increases and performance to positioning in a salary grade. The focus in this session is to help HR professionals sort through several of the compensation-related challenges they are likely to encounter.  

Who Should Attend: HR Officer, Talent Engagement Specialist, HR Analyst, Training & Development Manager

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Utilizing Cash Flow Projections to Determine Repayment Ability

Bankers know that cash flow repays loans, but history doesn’t always repeat itself. Cash flow projections force borrowers to think about their futures, and it is reasonable to expect a borrower to prove that it can repay a proposed loan based on projected cash flow. A cash flow projection requires the balance sheet and income statement to be projected, too, and the links among balance sheet, income statement, and cash flow are critical assumptions to be tested and validated.

Who Should Attend: Commercial Loan Officer, Consumer Loan Officer, Mortgage Loan Officer, Junior Loan Officer, Credit Analyst, Business Development Officer