MD _ DC Training Guide

mddccua.org/education 1

2017TRAINING GUIDE

mddccua.org/education2

TABLE OF CONTENTSLetter From Our CEO .................................................................1

Tuition Fees .................................................................................2

Highlights.....................................................................................3

In-Person Sessions .....................................................................4

Webinars ......................................................................................9

l Account Documentation Series ...........................................................9

l ACH Specialist Series ................................................................................9

l BSA Compliance Series ...........................................................................9

l Director Series ............................................................................................ 10

l Real Estate Series ..................................................................................... 10

l Regulation E Series .................................................................................. 10

l Risk Management Series .........................................................................11


LETTER FROM OUR CEO

Greetings, The MD|DC Credit Union Association is your trusted source for quality education in credit union operations, leadership development, and organizational growth. Our in-person and online programs deliver the knowledge you need, and provide an exceptional learning experience for staff, executives and volunteers. We strive to create educational and networking opportunities that stretch your training budgets, while maximizing your time and deepening your knowledge. In 2017, you’ll have the opportunity to select from more than 200 programs to further your development in your credit union role. The 2017 Training Guide is your source for courses and programs offered by your Association and can also be viewed online at www.mddccua.org. Please mark your calendars for our signature events: • Credit Union Reality Check: March 20 – 22, Atlantic City, NJ

• Annual Meeting & Convention: June 11 – 13, Ocean City, MD

• Leadership Forum: September 19 – 20

• Volunteer Leadership Conference: November 17 – 19, Ocean City, MD We look forward to providing you with high-quality learning experiences in the year ahead and seeing you at a program or event soon. Warm regards,

John BratsakisPresident/CEO


Tuition ReimbursementMaryland and DC-based credit unions with up to $150 million in assets may be eligible for up to 75% educational reimbursement from the Credit Union Foundation of MD & DC. For details and an application, visit cufound.org/training.

Cancellation PolicyTo cancel a registration, the attendee must send an email to the Member Relations Coordinator at [email protected]. If the cancellation email is received 7 or more days before the training session, a refund or credit will be made minus a 30% cancellation fee. No refunds or credits will be made if the cancellation email is received within 6 days of the training session.

Inclement Weather PolicyIf MD|DC CUA reschedules a training session because of inclement weather or other uncontrollable circumstances, MD|DC CUA will make every effort to promptly notify all registrants by a website message, email or phone call. MD|DC CUA will reschedule the training session and registrations will be transferred to the new date, after which MD|DC CUA’s Cancellation Policy will apply. If the training session is not re-scheduled, full refunds will be provided.

If MD|DC CUA does not cancel a training session during inclement conditions or other uncontrollable circumstances, it is up to the registrant or credit union manager to decide if the registrant should attend the program. In an instance where the registrant or credit union manager decides that the inclement weather impedes the registrant’s safe travel, the registration fee will be refunded minus a $50 processing fee.

Full-Day In-Person Sessions> $50M in assets – $290< $50M in assets – $145< $10M in assets – $72.50

Half-Day In-Person Sessions> $50M in assets – $180< $50M in assets – $90< $10M in assets – $45

Two-Day In-Person Sessions> $50M in assets – $495< $50M in assets – $290< $10M in assets – $145

Webinars$200 – Live Webinar$200 – Recorded Webinar + Free Digital Download$250 – BOTH Live Webinar & Recorded Webinar + Digital Download$169 – Recorded Webinar + Free Digital Download – (Credit Unions <$20M in assets)

TUITION FEES

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HIGHLIGHTS

Annual Meeting & Convention

Exceptional Leader

June 11 - 13

Begins Sep 14

Sept 19 - 20

May 18

Leadership Forum

Emotional Intelligence Workshop

Nov 17 - 19

Nov 2

Volunteer Leadership Conference

8 Success Strategies of High Achievers

March 20 - 22

Oct 19

May 25

CU Reality Check

Credit Union Staff Orientation

Gerry Sandusky’s Perception Pyramid

SIGNATURE EVENTS

HIGHLIGHTED TRAINING

6 Month Course


IN-PERSON SESSIONSJan 25 Military Lending The Department of Defense (DOD) issued a final rule amending the regulations concerning implementation of the Military Lending Act. The final rule amends the MLA regulation to expand protections provided to service members and their families when they obtain consumer credit, and addresses a wider range of credit products that fell outside of the scope of the DOD’s existing regulation. This session will address the rule changes that began affecting Credit Unions October 3, 2016. Participants will also review MLA compliance in light of the Interpretive Rule from DOD issued in August 2016.

Feb 16 Fraud & Cybersecurity Regulatory bodies (including the NCUA) now consider cybersecurity the top risk facing financial institutions. They expect credit union executives and management to be well-informed and aware of current issues, and make decisions with cybersecurity as a key component of their risk management processes. Learn the latest statistics from industry security reports and summary information from the FFIEC cyber security assessment pilot.

Mar 7 Robbery Prevention and Response Training The damage caused by a robbery can be much more than just the loss of money. Credit unions that have experienced a robbery have reported the effects on employee morale can last long after the actual event. There are many technological advances to help prevent robberies as well as improve responses to robberies, but a well prepared staff is still the best line of defense. This workshop will discuss new strategies to prevent robberies along with proven strategies to use during and after a robbery.

Mar 8 Emerging Payments Systems & Technology Change is coming to the payment landscape. Technologies such as EMV, along with payment systems such as PayPal and Near Field Communication (NFC) are becoming commonplace. The magnetic stripe version of credit, debit, and prepaid cards are quickly becoming obsolete. Credit unions must swap out member cards and upgrade ATMs and adapt to new data processing systems, fee programs, authorization methods and fraud prevention tools.

Mar 11 BSA for Volunteers Satisfy your annual BSA update training requirements. NCUA and state examiners are committed to enforcing the Bank Secrecy Act (BSA), so complying with the regulation should be a top priority for every credit union. Get the information you need to ensure your training requirements have been met before your examiner walks in the door. Attendees will take a close look at the requirements of BSA and the Customer Identification Program (CIP); receive an overview of the Office of Foreign Assets Control (OFAC) and the PATRIOT Act; review policy requirements and examples of noncompliance; identify the penalties that regulators could potentially impose on your credit union; review CTR and SAR filing requirements and much more.

Mar 15 Marketing Compliance Learn how to create an efficient advertising review policy, what constitutes an advertisement, top advertising compliance risks, the basics of advertising disclosures and how to create a bulletproof advertising checklist. Topics include advertising, using the NCUA official logo for federally insured credit unions, Fair Housing Act, Truth in Savings, Truth in Lending, special rules for advertising sweepstakes and prizes, website advertising, promoting “free” products and the federal privacy notice.

Apr 6 Mortgage Compliance This program will cover a number of the hot topics, trends and critically important issues for credit unions as they seek to enhance their mortgage lending operations.

Apr 8 Supervisory Committee Duties & Responsibilities This “nuts and bolts” training program addresses key risk areas of credit unions and provides practical information and tools to achieve effective audit results. No nonsense, no fluff – just simple techniques and information to help you be a more productive Supervisory Committee member. This session will include discussions on Supervisory Committee infrastructure; roles and responsibilities including auditing and specific committee duties and powers, the committee’s role in monitoring the board of directors and other officials, recommended Supervisory Committee routine activities; collaborating with peers about how to get effective audit results, and a volunteer’s guide to financial statements.


Apr 11 Asset Liability Management An in-depth examination of the asset/liability management process for credit union employees and board members.

Apr 19 BSA for Frontline Staff Satisfy your annual BSA update training requirements. NCUA and state examiners are committed to enforcing the Bank Secrecy Act (BSA), so complying with the regulation should be a top priority for every credit union. Get the information you need to ensure your training requirements have been met before your examiner walks in the door. Attendees will take a close look at the requirements of BSA and the Customer Identification Program (CIP); receive an overview of the Office of Foreign Assets Control (OFAC) and the PATRIOT Act; review policy requirements and examples of noncompliance; identify the penalties that regulators could potentially impose on your credit union; review CTR and SAR filing requirements and much more.

Apr 20 Third Party Due Diligence Every credit union entrusts its most sensitive member information to third-party vendors. This session will examine the regulatory requirements for vendor due diligence and the details of creating an effective vendor management program.

Apr 25 Consumer Lending Workshop for Frontline Staff This full-day workshop is designed for loan officers, member service representatives and all lending professionals looking for a refresher course. In this session you will learn lending’s critical essentials and best practices for lending success, how to successfully lend to higher-risk members, how to tailor your approach in the loan interview, a review of FICO scores, underwriting approaches, risk factors and much more.

Apr 26 Consumer Lending Workshop for Management The workshop will discuss loan department productivity and efficiency, loan product and rate design, loan delivery channels, loan department organization, loan policy provisions, the pros and cons of indirect lending, successful collections and sales culture development.

May 2 HR: Payroll and Wage Compliance Payroll and wage compliance is serious business for credit unions. Failure to comply with wage and hour laws can result in a credit union owing the employee back wages, liquidated damages, a waiting time penalty, and reasonable attorney and/or court fees, plus possible civil and criminal penalties from the federal or state government. Attend this session to learn about your responsibilities and the exposures, current hot topics, as well as best practices to ensure full compliance.

May 3 & 4 Compliance Workshop It costs a credit union far less to stay compliant with regulations than to foot the bill for the consequences of non-compliance. This two day workshop is designed for compliance officers and staff responsible for compliance within their specific areas, and those that are new to the compliance world. The workshop will cover a number of hot topics to include: Key Elements of an Effective Compliance program, Compliant Tracking and Management program, Key Components of a BSA/AML Compliance program, Mortgage Lending Compliance, Adverse Action Notice requirements, and CFPB’s Look at Debt Collection Practices.

Don’t allow your credit union to suffer because of ill preparedness in the area of compliance. Instead, invest in your credit union and staff to get the most current compliance training.

May 13 Head Teller Training New and experienced head tellers will learn practical skills to support branch goals, develop professionalism and productivity in their team, become an effective supervisor, manage time, delegate duties, and conduct effective coaching.

May 17 Advocacy 411 Get the scoop on what’s happening in the political realm that may impact your credit union. Engage in a roundtable discussion with our advocacy team regarding recent legislative developments on Capitol Hill and regulatory changes under the new Trump Administration. The team will also present an overview of the recent legislative session in Annapolis and discuss developments in the District within the City Council.

IN-PERSON SESSIONS


May 18 Emotional Intelligence Workshop The most successful leaders have been proven to have high emotional intelligence. Participants in this interactive and engaging workshop will complete the EQ-i 2.0 assessment—the first scientifically validated emotional intelligence tool in the world. Each leader will receive a confidential personalized report with a detailed summary of each element with tailored suggestions for improvement, and an action plan and development guide. We will spend the session debriefing the assessment to give leaders a clear understanding of their current emotional intelligence as well as how they can leverage their strengths and identify areas for development to improve their emotional intelligence over time.

May 23 & 24 BSA for Frontline Staff (Cumberland) Satisfy your annual BSA update training requirements. NCUA and state examiners are committed to enforcing the Bank Secrecy Act (BSA), so complying with the regulation should be a top priority for every credit union. Get the information you need to ensure your training requirements have been met before your examiner walks in the door. Attendees will take a close look at the requirements of BSA and the Customer Identification Program (CIP); receive an overview of the Office of Foreign Assets Control (OFAC) and the PATRIOT Act; review policy requirements and examples of noncompliance; identify the penalties that regulators could potentially impose on your credit union; review CTR and SAR filing requirements and much more.

May 25 Gerry Sandusky’s Perception Pyramid for Credit Unions This interactive workshop was designed to improve employee performance and member satisfaction. The program will help MSR’s, Branch Managers, Product Experts and other professionals formulate and articulate their communication with members in ways that expand the Credit Union’s reputation and relationship with members, enhance the Credit Union’s profitability, and help position the Credit Union as the member’s primary financial institution.

Jun 22 Current Expected Credit Loss (CECL) Following the most recent financial crisis, the Financial Accounting Standards Board (FASB) issued new guidance that will significantly alter the approach for estimating loan loss allowance. This new allowance methodology is commonly referred to as the Current Expected Credit Loss (CECL) model. CECL arguably represents the most significant change to generally accepted accounting principles that impact credit unions during the past two decades. While the credit union industry does have a few years before CECL will take affect (2021), given the amount of time and effort that will be required to prepare for the implementation of CECL, it is highly recommended that credit unions consider their approach without delay. This session is intended to provide participants with an informed place to begin the process of implementing CECL.

Jun 27 Sales & Business Development Workshop In today’s marketplace for financial services, business development is emerging as a critical area of focus for credit unions as they seek to attract new members, expand their SEGs base, and capture new audiences previously served. This session will feature various strategies for SEG development, member growth, member relations, sales culture and best practices, tracking, and CRMS.

Jun 28 Marketing Compliance This full-day training session will cover the most prevalent compliance issues facing marketers today - including privacy and online compliance.

Jul 11 Fraud & Cybersecurity Regulatory bodies (including the NCUA) now consider cybersecurity the top risk facing financial institutions. They expect credit union executives and management to be well informed and aware of current issues, and make decisions with cybersecurity as a key component of their risk management processes. Learn the latest statistics from industry security reports and summary information from the FFIEC cyber security assessment pilot.

Jul 15 BSA for Volunteers Satisfy your annual BSA update training requirements. NCUA and state examiners are committed to enforcing the Bank Secrecy Act (BSA), so complying with the regulation should be a top priority for every credit union. Get the information you need to ensure your training requirements have been met before your examiner walks in the door. Attendees will take a close look at the requirements of BSA and the Customer Identification Program (CIP); receive an overview of the Office of Foreign Assets Control (OFAC) and the PATRIOT Act; review policy requirements and examples of noncompliance; identify the penalties that regulators could potentially impose on your credit union; review CTR and SAR filing requirements and much more.

IN-PERSON SESSIONS


Jul 18 NCUA Exam Prep Don’t be caught ill prepared for the new realities of credit union examinations. With an increasing volume of enforcement and administrative actions, now is not the time to take a passive approach with your examination. This session will review the current regulatory climate and core regulatory concerns, discuss the basics of the examination process, as well as reveal the best practices for planning, preparing and engaging the examination team.

July 20 Digital Marketing Digital marketing is a powerful tool that can be used to propel your credit union forward when leveraged correctly. An overwhelming 84% of the population is connected to the internet and just waiting for you to interact with them! Learn the best practices for creating engaging social media posts, reaching your target audience through digital media, and harnessing the awesome power of digital marketing.

Aug 9 Project Management Every organization achieves results through projects. These projects come in all sizes, complexities and topics. Some projects are very concrete and easy to implement, while others are more involved. When team members use a common process for their projects, the chances of developing and achieving the desired results are increased. This workshop focuses on what you really need to know and do to get your project started and keep it on the right track for success.

Aug 12 Supervisory Committee Duties & Responsibilities This “nuts and bolts” training program addresses key risk areas of credit unions and provides practical information and tools to achieve effective audit results. No nonsense, no fluff – just simple techniques and information to help you be a more productive Supervisory Committee member. This session will include discussions on Supervisory Committee infrastructure; roles and responsibilities including auditing and specific committee duties and powers, the committee’s role in monitoring the board of directors and other officials, recommended Supervisory Committee routine activities; collaborating with peers about how to get effective audit results, and a volunteer’s guide to financial statements.

Aug 17 Train the Trainer This session is designed for human resource professionals who have training or teaching as part of their responsibilities. Participants will explore the role of the trainer in the employee selection process, learn new tips and tricks to garner and measure employee engagement in the teaching process and practice their role as a teacher.

Aug 22 & 23 MSR/FSR Training This two-day workshop is designed for Member Service Representatives and Financial Service Representatives who would benefit from a systematic approach to skills, activities and behaviors that help enhance the member experience as well as grow wallet share and cross-sell. Topics will include creating an exceptional member experience; understanding member needs; introduction and application of a proven member interaction model; leveraging a questioning strategy that will reveal member needs; and developing follow-up routines and behaviors.

Aug 24 Sales Coaching Why not create your sales culture with service - something credit unions have focused on since the beginning of the credit union movement. This program will demonstrate how increased sales springboard from exceptional service. Attendees will learn that if you aren’t selling your members the products they need you’re actually doing them a disservice. Discover the key member service concepts that prove that exceptional service is the key to sales and member loyalty, and is also the foundation for a strong, loyal workforce.

Sep 12 Member Onboarding Consumers are gradually understanding the importance of credit unions and their role in the community. Now more than ever, you want to ensure your credit union is prepared to maximize every opportunity to engage the prospective member even after they have opened an account or utilized a service. In this session we will discuss the member onboard process, identify efficiencies and evaluate the effectiveness of a sound member onboarding process.

IN-PERSON SESSIONS


Sep 23 BSA for Volunteers Satisfy your annual BSA update training requirements. NCUA and state examiners are committed to enforcing the Bank Secrecy Act (BSA), so complying with the regulation should be a top priority for every credit union. Get the information you need to ensure your training requirements have been met before your examiner walks in the door. Attendees will take a close look at the requirements of BSA and the Customer Identification Program (CIP); receive an overview of the Office of Foreign Assets Control (OFAC) and the PATRIOT Act; review policy requirements and examples of noncompliance; identify the penalties that regulators could potentially impose on your credit union; review CTR and SAR filing requirements and much more.

Sep 27 Regulatory Update A new administration means that there will be a new attitude taken in Washington, DC toward how regulations and rules impact businesses. Engage in a roundtable discussion with the association’s compliance advocacy team about new regulations scheduled for implementation or open for debate by the CFPB, NCUA and other agencies governing our industry. Overdraft protection programs and MBL are of high interest in 2017. Participants will be briefed on the political environment on Capitol Hill and legislation which would amend the Dodd-Frank Act. The discussion will highlight changes that could benefit credit unions. In addition the team will discuss current regulatory rules already on the books from TRID to FOM rules and how these rules are affecting members.

Oct 12 Robbery Prevention and Response Training The damage caused by a robbery can be much more than just the loss of money. Credit unions that have experienced a robbery have reported the effects to the employee morale can last long after the actual event. There are many technological advances to help prevent robberies as well as improve the responses to robberies, but a well prepared staff is still the best defense. This workshop will discuss new strategies to prevent robberies along with proven strategies to use during and after a robbery.

Oct 18 Business Lending Credit unions were established for and by one of the first small business owner groups – farmers. The need for affordable lending products with quality service can create a loyal member for life. But knowing and understanding business lending and regulations can be overwhelming if you don’t know where to begin. In this session you will learn about business legal structures, how the type of business may impact a loan or share account, identify the strengths and weaknesses of different types of businesses, explore financial reporting options and discuss business service needs.

Oct 19 Credit Union Staff Orientation The Maryland & DC Credit Union Association will host an orientation session for all new and veteran credit union staff to attend. Attendees will discuss and familiarize themselves with the credit union philosophy and history, identify how credit unions differ from banks, and hear from various credit union experts on best practices and how to implement them while offering the highest level of service to members. You will have an opportunity to learn about the services, resources and support offered by the MD|DC CUA, and network with credit union staff across the region.

Nov 2 8 Success Strategies of High Achievers This one-day workshop, based on Jack Canfield’s book, “The Success Principles: How to Get from Where You Are to Where You Want to Be”, will empower you with strategies to live and lead at your highest potential. This session highlights eight of the top strategies of high achievers and teaches you how to incorporate these strategies into your leadership and life.

IN-PERSON SESSIONS


ACCOUNT DOCUMENTATION SERIESJan 12 Compliance & Due Diligence at Account Opening Mary-Lou Heighes, Compliance Plus, Inc.

Mar 3 Opening Deposit Accounts Online: Rules, Risks & Best Practices Susan Costonis, Compliance Consulting and Training for Financial Institutions

May 24 Nonresident Alien Accounts: Opening, Tax ID Numbers, IRS Issues & More Dawn Kincaid, Brode Consulting Services, Inc.

Jul 11 Closing or Changing Deposit Accounts for Consumers & Businesses Susan Costonis, Compliance Consulting and Training for Financial Institutions

Sept 13 Minor Accounts: Ownership, Documentation & Access Susan Costonis, Compliance Consulting and Training for Financial Institutions

Nov 14 Accepting Powers-of-Attorney on Deposit Accounts Elizabeth Fast, Spencer Fane LLP

ACH SPECIALIST SERIES

Jan 19 Direct Deposit Tax Refunds: Posting & Exceptions Michele L. Barlow, PAR/WACHA

Mar 30 ACH Rules Update 2017 Jen Kirk, EPCOR

May 4 Complex ACH Origination Issues for ODFIs: Compliance, Exceptions, Monitoring Shelly Simpson, EPCOR

Jun 29 Same-Day ACH: Preparing for Processing Debits, Effective September 15, 2017 Jen Kirk, EPCOR

Sep 21 RDFI Returns: 2 Day vs. 60 Calendar Days – Understanding the Difference Jordan Morell, UMACHA

Nov 15 Federal Government ACH Payments: Reclamations & Garnishments Shelly Simpson, EPCOR

BSA COMPLIANCE SERIESFeb 16 FinCEN’s CDD Rules & BSA Compliance: Why Preparing Now for the Fifth Pillar is Critical Susan Costonis, Compliance Consulting and Training for Financial Institutions

Apr 26 BSA Compliance Hotspots: Regulators, Litigation, Policies & Procedures Ann Brode-Harner, Brode Consulting Services, Inc.

Jun 22 New BSA Officer Training Bill Elliott, Young & Associates, Inc.

Aug 16 Job-Specific BSA for Deposit Operations: SAR Monitoring, 314(a) Requests & CIP Susan Costonis, Compliance Consulting and Training for Financial Institutions

Oct 26 Job-Specific BSA Training for the Frontline: CTRs, SARs, CIP & More Susan Costonis, Compliance Consulting and Training for Financial Institutions

Dec 6 Job-Specific BSA Compliance for Lenders Susan Costonis, Compliance Consulting and Training for Financial Institutions

WEBINARS


DIRECTOR SERIES

Jan 1 Credit Union Success Guide: Best Steps for Success in a Difficult Environment Jeffrey C. Gerrish, Gerrish McCreary Smith, Consultants & Attorneys

Mar 3 The Board Evaluation Process: Steps, Tools & More Jeffrey C. Gerrish, Gerrish McCreary Smith, Consultants & Attorneys

May 5 What the Board Needs to Know About Vendor Management Branan Cooper, Venminder

Jul 7 Effectively Assessing Credit Risk & Defining Credit Risk Appetite for Directors Tommy Troyer, Young & Associates, Inc.

Sep 9 What Directors Should Know About Risk Management Ann Brode-Harner, Brode Consulting Services, Inc.

Nov 11 Required Compliance for the Board & Senior Management Dawn Kincaid, Brode Consulting Services, Inc.

REAL ESTATE SERIES

Feb 8 Understanding TRID Tolerance Cures Steven Van Beek, Howard & Howard Attorneys PLLC

Apr 5 CFPB Real Estate Loan Collection Rules for Mortgage Servicers & Your Credit Union Elizabeth Fast, Spencer Fane LLP

Jun 21 Adverse Action in Mortgage Lending: Are You in Compliance? Ann Brode-Harner, Brode Consulting Services, Inc.

Aug 8 Appraisals & Evaluations for Consumer Real Estate Lending: Interagency Guidance, Regulator Issues & FAQs S. Wayne Linder, Young & Associates, Inc.

Oct 12 ARM & Balloon Payments: Clarifying the Confusion Bill Elliott, Young & Associates, Inc.

Dec 14 Mortgage Loan Disclosure Timing Issues Steven Van Beek, Howard & Howard Attorneys PLLC

REGULATION E SERIES

Feb 7 Handling Provisional Credit Under Reg E: Rules, Best Practices & FAQs Elizabeth Fast, Spencer Fane LLP

Mar 16 Regulation E Requirements for Debit Card Error Resolution: Processing, Disclosure & Investigation Michele L. Barlow, PAR/WACHA

May 23 How to Handle Unauthorized Electronic Fund Transfers Under Reg E Elizabeth Fast, Spencer Fane LLP

Jul 19 Regulation E Fundamentals: Back to Basics Michele L. Barlow, PAR/WACHA

Aug 30 Comparing Regulation E with Visa & MasterCard Rules Diana Kern, SHAZAM, Inc.

Nov 9 Auditing for Regulation E Compliance Ann Brode-Harner, Brode Consulting Services, Inc.

WEBINARS


RISK MANAGEMENT SERIESFeb 21 Developing an Enterprise-Wide Risk Assessment Marcia Malzahn, Malzahn Strategic

Apr 13 Developing a Risk-Based Compliance Audit for Your Loan Portfolio Susan Costonis, Compliance Consulting and Training for Financial Institutions

May 17 Conducting an RDC Risk Assessment: Compliance Findings & Regulatory Guidance Jen Wasmund, UMACHA

Jul 27 Conducting a Fair Lending Risk Assessment Bill Elliott, Young & Associates, Inc.

Oct 25 Establishing or Maturing Your Vendor Risk Management Program Branan Cooper, Venminder

Dec 13 ACH Risk Management & Assessment: Risks, Controls & Ratings Jen Wasmund, UMACHA

Jan 4 Top 10 HMDA Issues for 2016 Reporting: Checkup for March 1st Submission Susan Costonis, Compliance Consulting and Training for Financial Institutions

Jan 5 Cross Selling Products & Services: Compliance with TCPA & FCRA Steven Van Beek, Howard & Howard Attorneys PLLC

Jan 10 DIRECTOR SERIES: Credit Union Success Guide: Best Steps for Success in a Difficult Environment Jeffrey C. Gerrish, Gerrish McCreary Smith, Consultants & Attorneys

Jan 11 Asset Liability Management Overview Stephen J.M. Schiltz, CliftonLarsonAllen LLP

Jan 12 ACCOUNT DOCUMENTATION SERIES: Compliance & Due Diligence at Account Opening Mary-Lou Heighes, Compliance Plus, Inc.

Jan 17 Loan Underwriting Basics: Interviewing, Credit Reports, Debt Ratios & Regulation B Tommy Troyer, Young & Associates, Inc.

Jan 18 Identifying Fraudulent Transactions: Including Recent FinCEN Advisory on Email Fraud Schemes Elizabeth Fast, Spencer Fane LLP

Jan 19 ACH SPECIALIST SERIES: Direct Deposit Tax Refunds: Posting & Exceptions Michele L. Barlow, PAR/WACHA

Jan 24 Same-Day ACH: Lessons Learned & FAQs for RDFIs Jen Kirk, EPCOR

Jan 25 IRA & HSA Review & Update Frank J. LaLoggia, LaLoggia Consulting, Inc.

Jan 26 Procedural & Compliance Responsibilities of the Board Secretary Ann Brode-Harner, Brode Consulting Services, Inc.

Jan 31 Auditing Call Reports Dean Rohne, CliftonLarsonAllen LLP

Feb 1 Developing & Managing a Consumer Complaint Program – Avoiding Reputational Damage Veronica Madsen, Howard & Howard Attorneys PLLC

Feb 2 Mobile Device Use & the New Overtime Rules: 7 Steps to FLSA Compliance in a BYOD Workplace Nancy Flynn, The ePolicy Institute™

WEBINARS


Feb 7 REGULATION E SERIES: Handling Provisional Credit Under Reg E: Rules, Best Practices & FAQs Elizabeth Fast, Spencer Fane LLP

Feb 8 REAL ESTATE SERIES: Understanding TRID Tolerance Cures Steven Van Beek, Howard & Howard Attorneys PLLC

Feb 9 Establishing Compliant E-SIGN Act Procedures for Electronic Documents & Statements Steven Van Beek, Howard & Howard Attorneys PLLC

Feb 14 Military Lending Act: Exam Procedure Changes, Post-Implementation Considerations & FAQs Elizabeth Fast, Spencer Fane LLP

Feb 15 Qualifying Borrowers Using Personal Tax Returns Part 1: Schedules A, B, C & D Tim Harrington, TEAM Resources

Feb 16 BSA COMPLIANCE SERIES: FinCEN’s CDD Rules & BSA Compliance: Why Preparing Now for the Fifth Pillar is Critical Susan Costonis, Compliance Consulting and Training for Financial Institutions

Feb 21 RISK MANAGEMENT SERIES: Developing an Enterprise-Wide Risk Assessment Marcia Malzahn, Malzahn Strategic

Feb 22 Flood Compliance in Lending Part 1: Loan Origination Ann Brode-Harner, Brode Consulting Services, Inc.

Feb 23 Collection Law Essentials: Legalities, Landmines & More David A. Reed, Reed & Jolly, PLLC

Feb 28 Imaged Documents: What to Keep, What to Destroy, What Holds Up in Court? Elizabeth Fast, Spencer Fane LLP

Mar 1 Qualifying Borrowers Using Personal Tax Returns Part 2: Schedules E & F Tim Harrington, TEAM Resources

Mar 2 Compliance Questions & Issues in Deploying Mobile Remote Deposit Capture Jen Wasmund, UMACHA

Mar 7 UDAAP Challenges: Practices, Risk Mitigation, Regulator Expectations & Case Studies Adam Witmer, Young & Associates, Inc.

Mar 8 Hot Issues in Cyber Compliance, Including Recent Changes to the IT Handbook Brian Vitale, Compliance Advisory Services

Mar 9 How to Audit Deposit Operations for Reg CC & D Compliance Ann Brode-Harner, Brode Consulting Services, Inc.

Mar 14 Fair Lending Risks in Third-Party Relationships David A. Reed, Reed & Jolly, PLLC

Mar 15 Flood Compliance in Lending Part 2: Post Loan Closing Ann Brode-Harner, Brode Consulting Services, Inc.

Mar 16 REGULATION E SERIES: Regulation E Requirements for Debit Card Error Resolution: Processing, Disclosure & Investigation Michele L. Barlow, PAR/WACHA

Mar 21 ACCOUNT DOCUMENTATION SERIES: Opening Deposit Accounts Online: Rules, Risks & Best Practices Susan Costonis, Compliance Consulting and Training for Financial Institutions

Mar 22 Securing Collateral Part 1: Form UCC-1 – Initial Filing & Perfection of Security Interests Elizabeth Fast, Spencer Fane LLP

WEBINARS


Mar 28 DIRECTOR SERIES: The Board Evaluation Process: Steps, Tools & More Jeffrey C. Gerrish, Gerrish McCreary Smith, Consultants & Attorneys

Mar 29 20 Common Collection Pitfalls Elizabeth Fast, Spencer Fane LLP

Mar 30 ACH SPECIALIST SERIES: ACH Rules Update 2017 Jen Kirk, EPCOR

Apr 4 Human Resource Do’s & Don’ts for Supervisors Kay Robinson, Robinson HR Consulting, LLC

Apr 5 REAL ESTATE SERIES: CFPB Real Estate Loan Collection Rules for Mortgage Servicers & Your Credit Union Elizabeth Fast, Spencer Fane LLP

Apr 6 Website & Social Media Common Compliance Violations John Zasada, CliftonLarsonAllen LLP

Apr 11 Trust Your Instincts: Teaching the Frontline to Recognize Criminal Activity Barry Thompson, Thompson Consulting Group, LLC

Apr 12 Managing TDRs Start to Finish: Initial Identification to Rewriting to Non-TDR Status Tommy Troyer, Young & Associates, Inc.

Apr 13 RISK MANAGEMENT SERIES: Developing a Risk-Based Compliance Audit for Your Loan Portfolio Susan Costonis, Compliance Consulting and Training for Financial Institutions

Apr 18 Opening Donation, Memorial & Other Accounts for Nonprofit Organizations & Corporations Susan Costonis, Compliance Consulting and Training for Financial Institutions

Apr 19 The Future of FinTech & Blockchain/Bitcoin: A Look at New Technologies Reshaping Financial Services Lee Wetherington, Jack Henry & Associates, Inc.®

Apr 20 How to Build an Effective & NCUA Compliant MBL Credit Administration Program James R. Devine, Hipereon, Inc.

Apr 25 10 Steps to Creating Unparalleled Service Celeste Cook, cuStrategies LLC

Apr 26 BSA COMPLIANCE SERIES: BSA Compliance Hotspots: Regulators, Litigation, Policies & Procedures Ann Brode-Harner, Brode Consulting Services, Inc.

Apr 27 Securing Collateral Part 2: Form UCC-3 & Amending, Continuing or Terminating Security Interests Elizabeth Fast, Spencer Fane LLP

May 2 Security Officer Reports to the Board: Fulfilling Your Annual Requirement Barry Thompson, Thompson Consulting Group, LLC

May 3 Revisiting TRID Line-by-Line Part 1: Loan Application Steven Van Beek, Howard & Howard Attorneys PLLC

May 4 ACH SPECIALIST SERIES: Complex ACH Origination Issues for ODFIs: Compliance, Exceptions, Monitoring Shelly Simpson, EPCOR

May 9 DIRECTOR SERIES: What the Board Needs to Know About Vendor Management Branan Cooper, Venminder

WEBINARS


May 11 Surviving an FFIEC IT Security Exam Randall J. Romes, CliftonLarsonAllen LLP

May 16 Securing Collateral Part 3: Legal & Compliance Issues in Obtaining Priority in Collateral, Including Purchase Money Security Interests Elizabeth Fast, Spencer Fane LLP

May 17 RISK MANAGEMENT SERIES: Conducting an RDC Risk Assessment: Compliance Findings & Regulatory Guidance Jen Wasmund, UMACHA

May 18 HMDA Data Collection Rules: Preparing for the Extensive January 1, 2018 Changes Susan Costonis, Compliance Consulting and Training for Financial Institutions

May 23 REGULATION E SERIES: How to Handle Unauthorized Electronic Fund Transfers Under Reg E Elizabeth Fast, Spencer Fane LLP

May 24 ACCOUNT DOCUMENTATION SERIES: Nonresident Alien Accounts: Opening, Tax ID Numbers, IRS Issues & More Dawn Kincaid, Brode Consulting Services, Inc.

May 25 12 Key Elements of an Effective Digital Marketing Strategy Eric C. Cook, WSI Internet Consulting

May 31 Mastering Escrow Compliance: Analysis, Rules, Forms & Accounting Ann Brode-Harner, Brode Consulting Services, Inc.

June 1 Developing the Perfect Sales Conversation Diane Pape Reed, CU Doctor

June 6 Developing an Effective Process for Change Control: Shared Responsibilities, Implementation & Monitoring Brian Vitale, Compliance Advisory Services

June 8 Revisiting TRID Line-by-Line Part 2: Closing Disclosure Steven Van Beek, Howard & Howard Attorneys PLLC

June 13 Traditional & Roth IRA Plan Establishment & Required Amendments Frank J. LaLoggia, LaLoggia Consulting, Inc.

June 14 Reporting Member Credit & Effectively Managing Credit Disputes David A. Reed, Reed & Jolly, PLLC

June 15 Debit Card Chargebacks: Rules, Rights, Challenges & Best Practices Diana Kern, SHAZAM, Inc.

June 20 Supervisory Committees: Understanding Expectations & Avoiding Landmines David A. Reed, Reed & Jolly, PLLC

June 21 REAL ESTATE SERIES: Adverse Action in Mortgage Lending: Are You in Compliance? Ann Brode-Harner, Brode Consulting Services, Inc.

June 22 BSA COMPLIANCE SERIES: New BSA Officer Training Bill Elliott, Young & Associates, Inc.

June 27 My Borrower Filed Chapter 11 Bankruptcy – Now What? Chris Chicoine, Chicoine Law Group, PLLC

June 29 ACH SPECIALIST SERIES: Same-Day ACH: Preparing for Processing Debits, Effective September 15, 2017 Jen Kirk, EPCOR

July 6 DIRECTOR SERIES: Effectively Assessing Credit Risk & Defining Credit Risk Appetite for Directors Tommy Troyer, Young & Associates, Inc.

WEBINARS


July 11 ACCOUNT DOCUMENTATION SERIES: Closing or Changing Deposit Accounts for Consumers & Businesses Susan Costonis, Compliance Consulting and Training for Financial Institutions

July 12 Regulatory Requirements When Employees Work from Home: Overtime, FMLA, ADA, Safety & More Elizabeth Fast, Spencer Fane LLP

July 13 Call Reports: Financial Statements & Schedules B-E Stephen J.M. Schiltz, CliftonLarsonAllen LLP

July 18 Creating an Effective Suspicious Activity Program: Efficiency, Examinations & Fraud Veronica Madsen, Howard & Howard Attorneys PLLC

July 19 REGULATION E SERIES: Regulation E Fundamentals: Back to Basics Michele L. Barlow, PAR/WACHA

July 20 Working with Troubled Members: Loan Extensions, Deferments, Re-Aging, Refinancing & Incentives David A. Reed, Reed & Jolly, PLLC

July 25 20 UCC Provisions You Must Know When Cashing or Depositing Checks Chris Collver, Touchstone Compliance & Risk

July 26 E-Compliance Rules, Policies & Best Practices for Email, Web, Mobile & Social Media Nancy Flynn, The ePolicy Institute™

July 27 RISK MANAGEMENT SERIES: Conducting a Fair Lending Risk Assessment Bill Elliott, Young & Associates, Inc.

Aug 2 Advertising Compliance: Website, Print, TV & Radio Elizabeth Fast, Spencer Fane LLP

Aug 3 Business Signature Cards & Resolutions: Entities, Authority & Documentation Mary-Lou Heighes, Compliance Plus, Inc.

Aug 8 How to Legally Compensate Mortgage Loan Originators Elizabeth Fast, Spencer Fane LLP

Aug 9 REAL ESTATE SERIES: Appraisals & Evaluations for Consumer Real Estate Lending: Interagency Guidance, Regulator Issues & FAQs S. Wayne Linder, Young & Associates, Inc.

Aug 10 Dealing with Employee Discipline, Complaints, Performance Issues & More Diane Pape Reed, CU Doctor

Aug 16 BSA COMPLIANCE SERIES: Job-Specific BSA for Deposit Operations: SAR Monitoring, 314(a) Requests & CIP Susan Costonis, Compliance Consulting and Training for Financial Institutions

Aug 22 New Compliance Officer Boot Camp Molly Stull, Brode Consulting Services, Inc.

Aug 23 Vendor Problem Resolution: A Five-Step Approach David A. Reed, Reed & Jolly, PLLC

Aug 24 When a Borrower Dies: Next Steps & Best Practices Elizabeth Fast, Spencer Fane LLP

Aug 29 Keys to Transitioning from Member Business Lending to Member Business Services James R. Devine, Hipereon, Inc.

Aug 30 REGULATION E SERIES: Comparing Regulation E with Visa & MasterCard Rules Diana Kern, SHAZAM, Inc.

WEBINARS


Sep 6 Understanding & Processing IRA Rollovers & Transfers Frank J. LaLoggia, LaLoggia Consulting, Inc.

Sep 7 Responding to Official Demands for Member Funds: Subpoenas, Garnishments, Summonses & Levies Elizabeth Fast, Spencer Fane LLP

Sep 12 Regulator Issues for the Credit Analyst S. Wayne Linder, Young & Associates, Inc.

Sep 13 ACCOUNT DOCUMENTATION SERIES: Minor Accounts: Ownership, Documentation & Access Susan Costonis, Compliance Consulting and Training for Financial Institutions

Sep 14 DIRECTOR SERIES: What Directors Should Know About Risk Management Ann Brode-Harner, Brode Consulting Services, Inc.

Sep 19 Managing & Mitigating Data Breaches: Fraud, Forensics & Incident Response Randall J. Romes, CliftonLarsonAllen LLP

Sep 20 Supporting Documentation for the ALLL: Current Rules & Future Expectations Under CECL Tommy Troyer, Young & Associates, Inc.

Sep 21 ACH SPECIALIST SERIES: RDFI Returns: 2 Day vs. 60 Calendar Days – Understanding the Difference Jordan Morell, UMACHA

Sep 26 Financial Literacy for Directors Part 1: Introduction to Key Risk Components at a Credit Union Bryan Mogensen, CliftonLarsonAllen LLP

Sep 27 Step-by-Step SAR Completion: Dos & Don’ts Dawn Kincaid, Brode Consulting Services, Inc.

Oct 3 Surviving a TRID Compliance Exam Steven Van Beek, Howard & Howard Attorneys PLLC

Oct 4 Countdown to the New HMDA Rules Effective January 1, 2018 Susan Costonis, Compliance Consulting and Training for Financial Institutions

Oct 5 Keys to Effective Employee Recruitment, Onboarding & Retention Kay Robinson, Robinson HR Consulting, LLC

Oct 11 Proper Repossession, Notice & Sale of Non-Real Estate Collateral Elizabeth Fast, Spencer Fane LLP

Oct 12 REAL ESTATE SERIES: ARM & Balloon Payments: Clarifying the Confusion Bill Elliott, Young & Associates, Inc.

Oct 17 The Only Guide to Understanding Share Insurance You’ll Ever Need Chris Collver, Touchstone Compliance & Risk

Oct 18 Beyond EMV: Trends in Payments & What It Means for Credit Unions Lee Wetherington, Jack Henry & Associates, Inc.®

Oct 19 Financial Literacy for Directors Part 2: How to Interpret Key Ratios & Financial Statements Bryan Mogensen, CliftonLarsonAllen LLP

Oct 25 RISK MANAGEMENT SERIES: Establishing or Maturing Your Vendor Risk Management Program Branan Cooper, Venminder

Oct 26 BSA COMPLIANCE SERIES: Job-Specific BSA Training for the Frontline: CTRs, SARs, CIP & More Susan Costonis, Compliance Consulting and Training for Financial Institutions

WEBINARS


Oct 31 CECL Loss Estimation Methodologies: Using Your Credit Union’s Data History to Create Workable Options Tommy Troyer, Young & Associates, Inc.

Nov 2 Cost-Effective Strategies to Enforce Creditor Rights in Consumer Bankruptcies Chris Chicoine, Chicoine Law Group, PLLC

Nov 8 When a Depositor Dies: Next Steps & Best Practices Elizabeth Fast, Spencer Fane LLP

Nov 9 REGULATION E SERIES: Auditing for Regulation E Compliance Ann Brode-Harner, Brode Consulting Services, Inc.

Nov 14 ACCOUNT DOCUMENTATION SERIES: Accepting Powers-of-Attorney on Deposit Accounts Elizabeth Fast, Spencer Fane LLP

Nov 15 ACH SPECIALIST SERIES: Federal Government ACH Payments: Reclamations & Garnishments Shelly Simpson, EPCOR

Nov 16 DIRECTOR SERIES: Required Compliance for the Board & Senior Management Dawn Kincaid, Brode Consulting Services, Inc.

Nov 28 Avoiding Employee Job Misclassification Issues: Getting It Right! Diane Pape Reed, CU Doctor

Nov 29 OFAC Sanctions Compliance: Update, Expectations & Best Practices Brian Vitale, Compliance Advisory Services

Nov 30 Robbery Preparedness for All Staff Carol Dodgen, Dodgen Security

Dec 5 Conducting a Collections Risk Assessment David A. Reed, Reed & Jolly, PLLC

Dec 6 BSA COMPLIANCE SERIES: Job-Specific BSA Compliance for Lenders Susan Costonis, Compliance Consulting and Training for Financial Institutions

Dec 7 New Security Officer Training: Responsibilities, Best Practices & Skill-Building Tools Barry Thompson, Thompson Consulting Group, LLC

Dec 12 All About IRS Form 1099 Reporting: Foreclosures, Vendors, Avoiding Penalties & More Elizabeth Fast, Spencer Fane LLP

Dec 13 RISK MANAGEMENT SERIES: ACH Risk Management & Assessment: Risks, Controls & Ratings Jen Wasmund, UMACHA

Dec 14 REAL ESTATE SERIES: Mortgage Loan Disclosure Timing Issues Steven Van Beek, Howard & Howard Attorneys PLLC

Dec 19 The ALLL with TDRs & Foreclosed Assets Stephen J.M. Schiltz, CliftonLarsonAllen LLP

Dec 20 Preparation Plan for CDD Changes to Beneficial Ownership Rules: Effective May 11, 2018 Susan Costonis, Compliance Consulting and Training for Financial Institutions

WEBINARS


8975 Guilford Rd, Suite 190, Columbia, MD 21046 | 410.290.6858 | www.mddccua.org

MD _ DC Training Guide

Documents

Transcript of MD _ DC Training Guide