NHBA partners with Total Training Solutions (TTS) to bring our members hundreds of webinars each year.
Through TTS, NHBA members have access to a catalog of webinars that span all fields of study. See below for current TTS schedule.
Technology solutions used by retail and commercial customers for financial needs have exploded in recent years. These solutions have been coined as FinTech, for Financial Technology. This session will overview FinTech and compare them to existing solutions offered by community banks.
Many of these technology solutions leverage mobile devices to connect with consumers. This is an area in which regulators are looking to tighten controls. In general, consumers are growing dependent on mobile technologies. With threats against mobile devices increasing, a significant uncalculated amount of risk exists for banks and FinTech providers.
We wi... (more)
This is the second installment of a two-part webinar. You can sign up for either part individually or the series. Click here for information and to register for the series.
Excel expert David Ringstrom, CPA, teaches you how to push the boundaries of pivot tables in this presentation. He shares the nuances of grouping data as well as how to use Excel’s Custom Lists feature to automatically sort data in any order you desire versus using Excel’s default of sorting alphabetically.
David also teaches you how to:
Major changes ahead! Hopefully, your 2018 Home Mortgage Disclosure Act (HMDA) implementation plan is already in motion. January 1, 2018, seems a long way out; however, in compliance time it's just around the corner. This webinar will deliver plain English interpretations, guidance and opinions related to the new HMDA data collection and reporting requirements.
Today there are 39 fields. Come 2018 that number jumps to 110 fields! That's 71 more chances to get something wrong! Don’t fret, we’re here to help. We’ll provide in depth compliance tips on each of the 110 fields.
There’s also a two-page Demographic Information Collectio... (more)
Commercial and industrial (C&I) lenders know that non-financial factors such as the borrower’s industry, its competitive market, and its management team play a key role in the ongoing success of the business, as well as timely loan repayment. Commercial real estate (CRE) loans have similar non-financial factors or issues, including the type of property (similar to C&I industry risk), ability to successfully re-lease the property over the loan term (competitive market), and proper management and maintenance of the physical facility.
Presenter: Richard Hamm has been training bankers for 25 years, designing and delivering courses specializing in commercial lending and credit, including portfolio and risk management, commercial real estate (CRE) and appraisals, plus selling and negotiating skills, and director training.
Your customer passed away yesterday and the family is grieving. Yet, in the midst of all the remembering and honoring of a life, the legal and compliance clock is ticking. In most states, checks can be paid for 10 days after the date of death. However, ACH items cannot be paid once we know the customer is deceased.
When your deposit customer dies, many issues and questions arise. Who can have information on the account? Who owns the account? What has access to the account? What happens with powers of attorney and authorized signers on account? Can the spouse of the sole proprietor continue to access the account? What about that last ... (more)
This webinar is designed to provide basic knowledge of how a Bank records its financial transactions and compiles and communicates the information in its financial statements. It will begin with identifying the uses and decision-makers of Bank accounting information, introduce generally accepted accounting principles and the accounting equation, then discuss how fundamental financial transactions are recorded, summarized and presented on its financial statements. This program will provide specific examples and hands-on exercises for attendees. We will wrap up with a discussion of how to read and understand the information presented on a... (more)
As part of the scoping and planning process, examiners should obtain and evaluate the supporting documents of the independent testing (audit) of the bank's BSA/AML compliance program. The federal banking agencies' reference to "audit" does not confer an expectation that the required independent testing must be performed by a specifically designated auditor, whether internal or external. However, the person performing the independent testing must not be involved in any part of the bank’s BSA/AML compliance program (for example, developing policies and procedures or conducting training).
Audit findings should be reported directly to th... (more)
Attend this proactive seminar and receive a thorough overview of commercial lending requirements from a loan structure, documentation, and compliance perspective.
Basic business structure will be presented along with loan structure and loan support. Additionally, commercial lending issues relative to loan documentation will be reviewed. Loan pricing and monitoring will also be covered along with a review of current compliance issues.
The seminar will be summarized through a comprehensive case study.
On a daily basis, a financial institution is faced with having to comply with a multitude of legal documents that are served on it. These documents can order your financial institution to produce confidential customer information, hold depositor funds, and can even order it to seize property in its possession belonging to the customer.
If you find these documents confusing and intimidating, attend this multi-state seminar to learn the best practices of how to deal effectively with these documents and the parties who serve them upon you.
After remaining unchanged for 20 years, FNMA and FHLMC are introducing a new Uniform Residential Loan Application, It includes a new format, fields, instructions and a revised Government Monitoring section. This webinar will review the new forms, its changes, and the way it impacts underwriting.
Which regulations apply to commercial loans? Are there special rules if the loans are secured by real estate? Can examiners access civil money penalties for violations? Are there any exceptions when the real estate is taken as "an abundance of caution"? Do the commercial lenders and support staff at your bank understand the data collection required for HMDA reportable applications? Is a written application required for a business purpose loan?
Join this webinar to understand the application process with step by step instructions and actual examples that explain the requirements of appl... (more)
During this webinar, you will learn how to answer your adult account holder's questions on how to set up accounts for grandchildren, for college, and many other reasons to set up minor accounts. We will review the basic legal ownerships you may offer for your minor account holders. We will talk about how to transition them into adult accounts. We will look at do’s and don’ts of account card set up for minors.
Join us for this two-hour webinar covering the Small Creditor criteria and how they affect your Ability to Repay (ATR), Qualiﬁed Mortgage (QM) and Higher-Priced Mortgage Loan (HPML) requirements. We’ll dive right into the what, how and when with plain English instruction and answers.
Corporate Account Takeovers (CATO) have a significant impact on financial institutions and losses continue to increase. Approaches used by cybercriminals are advancing with new malware tools or new fraud such as Business Email Compromise. In most of these situations, customers are left with a large loss on their books and turn to legal action against their financial institution to settle.
Most of these cases are settling out of court, but we have a handful of court cases that have come to conclusions on who will be liable for the losses. We will review each of these cases, important considerations, and the outcome for the financial instit... (more)
During our first webinar in March we had so many questions after the program that we added a second session. In this webinar, we will continue to delve into common questions and answers that your frontline has about checks and deposits. This program is a deeper dive. You will also have time to get your questions to us before the program so they will be addressed in the presentation plus there will be ample time for further discussion during the two hour webinar. Before the webinar, submit your questions to firstname.lastname@example.org<... (more)
OFAC continues to be a "hot" examination button. This program will look at a comprehensive approach to OFAC. How to write your policy, do your risk assessment, and set up monitoring on a day to day basis. You will learn about emerging OFAC threats and how to address those issues internally through training and procedures. This is a must for all OFAC personnel.
Does your financial institution service a community where the sale of flood insurance authorized by the National Flood Insurance Program (NFIP) has been suspended? If not, will one of the communities your financial institution services be next on the list of suspended communities?
Many of you receive daily or weekly compliance updates that frequently contain a list of communities across the nation that have been suspended from the program. The process for suspending a community from the NFIP begins at least six months p... (more)
For several years, Anne Lolley has shared her popular compliance checklists with bankers. In this latest webinar, Anne will again offer and explain those checklists. The colorful and easy-to-use checklists are designed to chronologically lead lenders and processors through the various compliance requirements, and financial institutions that properly use these checklists will virtually eliminate compliance errors.
The Supplementary Booklet and Available Word-Format Checklists
The webinar will include a supplementary booklet explaining each checklist requirement. And upon request, Anne will e-mail the individual ... (more)
Compliance Risk Assessments are not a regulatory requirement but the absence of, or deficiencies associated with, risk assessments are often identified as the root cause of many findings addressed in examination reports and enforcement actions. Banking examination manuals repeatedly point out that banks are expected to be aware of the most significant compliance risks to the bank and to their customers and consumers. All risk assessments, whether they be for BSA, UDAAP or Compliance Management, share the same principles and methodologies and you will be provided the knowledge to conduct a risk assessment for al... (more)
Did you get notification at your financial institution last year that many of your names on accounts did not match? The IRS is seriously working the names and withholding for accounts and your responsibility as withholding agent is becoming very important. Your financial institution may incur penalties, be responsible for withholding if your financial institution does not understand how the IRS reads names and it can be costly. New nonresident alien rules require 1042S reporting for individuals in many countries. In this program we will review taxpayer identification numbers and W-9 and W-8BEN requirements. We will look at how the IRS read... (more)
Hopefully you have experienced that rewarding sensation when a casino slot machine dispenses quarters endlessly into your plastic money bucket. In some cases with larger payouts, a casino employee may come over and give you cash or a check. Now imagine sitting at a slot machine when $20,000 in bills shoots out.
Cybercriminals know ATMs are loaded with cash, and they are investing significant resources in exploiting systems to extract the money... in some cases, causing cash to shoot out from the ATM. The FFIEC has posted guidance around ATMs to bring awareness to “Unlimited Operations” fraud schemes. We have also seen ATMs infected with ... (more)
The Board is amending subparts A, C, and D of Regulation CC, Availability of Funds and Collection of Checks (12 CFR part 229), which implements the Expedited Funds Availability Act of 1987 (EFA Act), the Check Clearing for the 21st Century Act of 2003 (Check 21 Act), and the official staff commentary to the regulation. In the final rule, the Board has modified the current check collection and return requirements to reflect the virtually all electronic check collection and return environment and to encourage all depositary banks to receive, and paying banks to send, returned checks electronically. The Board has retained, without change, the... (more)
What are your responsibilities and warranties?
Whether you are just starting your ACH Origination program or have numerous customers, you need to understand Article Two of the ACH Rules. Join us and learn how to decipher the SEC Codes, how the products work and what your warranties are.
The ACH Rules were written so the Originating Depository Financial Institution (ODFI) carried the origination responsibilities and warranties. As the ODFI, you pass those onto your Originators through a contract. You are still, however, ultimately responsible and you must know the warranties.
In this session, we are going to revie... (more)
The Allowance for Loan and Lease Losses (“ALLL”), represents one of the most significant estimates in an institution’s financial statements and regulatory reports. It is a major portion of credit administration and is considered a key factor in maintaining a safe and sound financial institution. It is a valuation reserve established and maintained by charges against the bank’s operating income and is estimate of loans that may be uncollectible.
However, users of financial statement issued by financial institution expressed concerns that current United States Generally Acceptable Accounting Principles (GAAP) calculation of the Allowan... (more)
This is the description from our webinar that was presented in April 2017. Please check back for a modified description. Topics may be updated, but registration is now open.
We are almost two years into the TRID rule implementation. How are things going for you? You've probably run into many of the same issues many of your peers are, and you likely have many of the same questions. Hopefully it comforts you to know you're not alone!
This webinar is intended to review and discuss many of the major issues lenders are facing with TRID (TILA-RESPA Integrated Disclosure), including as-yet unresolved questions and how... (more)