Accounting/Financials

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Available Webinars

L | 04/24 | California Consumer Privacy Act and Responding to Data Breaches

04/24
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Beginning January 1, 2020, the California Consumer Privacy Act will grant consumers more control and understanding into the content and use of their personal information online, creating one of the most comprehensive privacy measures in the United States.

L | 05/06 | Real-time Payments Operations & Implementation

05/06
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The Clearing House’s Real-Time Payments (RTP) system is the first new U.S. payment channel in nearly 40 years. This session introduces attendees to the fundamentals of RTP so your financial institution can make the right decision about your participation and the next-steps to implementation.

L | 07/30 | Next Steps for Navigating CECL Compliance and Policies

07/30
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Current Expected Credit Loss (CECL) update for the implementation of the standard for non-public business entities (PBEs) is now only required after December 15, 2021, according to the Financial Accounting Standards Board.  This gives you more time to build your CECL strategy and develop a plan that works best for your credit union.  

L | 08/05 | Remote Deposit Capture, Part 1

08/05
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Check processing has changed over the past several years and so has the risk. Image exchange, remote printing, alternative clearing networks and now Mobile Remote Deposit Capture (MRDC) have altered the landscape of this vital network. Regulation CC, ECCHO Rules, OC-3 and other important rules and regulations related to check processing have changed as well.

L | 08/12 | Remote Deposit Capture, Part 2

08/12
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Check processing has changed over the past several years and so has the risk. Image exchange, remote printing, alternative clearing networks and now Mobile Remote Deposit Capture (MRDC) have altered the landscape of this vital network. Regulation CC, ECCHO Rules, OC-3 and other important rules and regulations related to check processing have changed as well.

A | 10 Key Concepts Every Credit Union Professional Should Know

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Even if you aren’t directly responsible for your credit union’s financial management, it’s still important to understand the impact that key factors have on your “big picture”. Join asset/liability management expert Deborah Rightmire as she discusses these ten concepts:

A | 11 Ratios Every Credit Union Professional Should Know

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The economic environment is changing. Ratios help us analyze the past, make decisions for the future, and monitor the impact of those decisions.

A | ACH Exceptions, Government Payments, & Deceased Account Holders

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ACH Exception Item Processing can be confusing. It is important to understand the various processes surrounding ACH rules. Noncompliance with the rules may lead to violations and customer dissatisfaction. In this session ACH expert John Curtis will cover issues such as reclamations, return items, and Notifications of Change (NOCs). He will share tips and ideas other members have used to limit their liability and make their Operations more successful.

A | Advanced ACH: Consumer Dispute Handling

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Updated for 2019 with new cases! This interactive, advanced session focuses on the most common "sticky" situations credit unions find themselves in when handling consumer-member ACH disputes. Presenter Rayleen Pirnie will discuss how to maintain compliance, including tips on handling these issues. Situations are presented from claim to handling, ensuring that all staff understand the credit union’s requirements.

A | Advanced Portfolio Strategies

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Participants  will glean a deeper understanding of how mortgage-backed securities are  structured, what kinds of MBS credit unions are investing in, evaluating risk  and collateralized mortgage obligation class structures.

A | ALLL for the Non-Accountant

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With problem loans increasing, profits sagging, and new capital hard to find, getting the Allowance for Loan and Lease Losses (ALLL) right is more important than ever. Learn what you need to know now in this comprehensive course designed for the non-accountant. Through engaging content tailored for the non-accountant, segments of the course include:

A | ALM Strategies in a Rising Rate Environment

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Interest rate risk is a hot button item for regulators and managing it is a critical issue for credit unions.  After several years of stable and very low interest rates, they appear poised to begin moving up.  Most credit unions use reports to measure Interest Rate Risk but what can you do to control it?  This webinar will demonstrate easy to use and intuitive techniques and strategies to manage the net interest margin and protect earnings.

A | Automated Clearinghouse (ACH) Risks for Business

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Do your business services staff know all they need to know about the ACH services they are selling? Are they aware of upcoming rules changes affecting your corporate Originators? Do they know how to keep your business members informed of the rules affecting you as an ODFI? Attend this informative webinar and arm your cash and product management staff with the proper ACH knowledge to protect your credit union from loss, while helping them understand the products and services you offer.

A | Basics of Automated Clearinghouse (ACH) Transactions

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As more credit unions both receive and originate ACH entries, it’s vital that management, operations and member services staff uderstand the ACH network, applicable rules and associated risks. This ACH Basics session will focus on the fundamentals of ACH, including the history of the network, defining the parties of ACH transactions, their roles and responsibilities, and the transaction flow and settlement process. In addition, we will cover all aspects of exception item processing, including your options in handling unauthorized transactions, stop payments or revoked authorizations. This is a basic overview of ACH and intended for individuals new to ACH operations and front line staff.

A | Blockchain to Bitcoin: Insights for Credit Unions

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Cyber attacks. State and federal regulations built for a world of flat currency. Barriers are real and evolving for the legal adoption and use of money that is built on cryptographic-strength algorithms.

A | CECL - A Tale of Two Methodologies with Compliant Outcomes

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Presented by Dr. Randy Thompson, TCT Risk Solutions; and Michael Richards, Richards & Associates
Ready or not CECL is coming.  Every credit union, regardless of asset size, will be required to move to Expected Loss in calculating the Allowance for Loan Loss in 2020.  FASB has approved multiple methodologies and the key for credit unions is to choose an option that is valid and at the same time, will have minimal impact on your equity and earnings.

A | Computer Security and Social Engineering for the Non-Techie

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IT and security professionals are continually searching for ways to train staff to protect the institution against computer fraud. This program provides the education they need. Even those who believe “it can’t happen here” will learn exactly how these attacks can happen and how to prevent them. This webinar shows how penetration companies, criminals, and even the cleaning crew can compromise your credit union.  The modus operandi used to attack account holders, the credit union, or call center and trick you into providing sensitive information are discussed.  We will demonstrate how not to fall victim to a social engineering attack, what a deceptive answer really sounds like, and how to handle these attacks on your front line or call center. 

A | Counterfeit Checks, Cash, & Forgeries

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Check fraud losses are the same no matter the size of your institution.  Check 21 was supposed to eliminate check fraud and that never happened.  The best defense against check fraud is training your staff on the warning signs of what is happening now!

In this engaging program we will review the many forms check fraud can take in attacking your financial institution.  Staff will learn the questions they should be asking members, especially new members, when transacting with them.   The same techniques used to detect check fraud can help to identify counterfeit currency.  Today more than ever training on this important topic can save your credit union from large dollar losses.

A | Current Investment Portfolio Management Trends

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Join Jonathan Jackson, CFA, of Catalyst Corporate FCU in this study of current investment trends and their effect on your strategic investment trends for the future.

A | Dealing with a Third Party Data Breach

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Even the most sophisticated information security systems may not always protect an institution but thorough preparation can help you avoid vendors that expose you to undue risk. If your financial institution’s vendors or major merchants are involved in a data breach, responding quickly and in compliance with all applicable laws can make the difference. Join Timothy Oppelt and Haley Rebel as they discuss the many facets of dealing with a third party data breach.

A | Dissecting Which Loan Participation is Best for your CU

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Understanding which Loan Participations are best for your credit union is essential. The key is to start with what you know. In part two of the series, we will take a deeper look into the various types of loan participations available to credit unions. We dive into Auto loans (Direct and Indirect), Mortgage loans (Fixed and ARM), and MBLs.

A | Enterprise Risk Management, Part 1: Introduction to Enterprise Risk Management

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Part 1: Introduction to Enterprise Risk Management - Are you or your credit union just getting started planning your enterprise risk management (ERM)? Then this first program in the three-part ERM webinar series was designed just for you. Basic risk management issues to be discussed include:

A | Enterprise Risk Management, Part 2: Advanced Enterprise Risk Management Issues

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Part 2: Advanced Enterprise Risk Management Issues - What enterprise risk management practices are working best for credit unions with fully engaged ERM systems? Joint risk management expert Jack Greenberg, CPA, in this second session of the three-part series as he discusses:

A | Enterprise Risk Management, Part 3: Enterprise Risk Management from an Information Technology Perspective

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Part 3: Enterprise Risk Management from an Information Technology Perspective - The increasing use of mobile financial management technology (IT) can present a special challenge to your credit union’s enterprise risk management (ERM) system. What IT practices are working best for credit unions with fully engaged ERM systems? Join James Kreiser of CliftonLarson Allen in this third session of the three-part series as he addresses:

A | ESIGN Compliance: The Electronic Signatures in Global and National Commerce Act

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The Electronic Signatures in Global and National Commerce Act of 2000 clarified the validity, legality, and enforceability of e-signatures on most contracts or records communicated by electronic means.
Seventeen years later, this act has so dramatically changed the way we do business that it’s hard to remember a time when e-signatures weren’t acceptable.

A | ALM Implementation

A | Europay, MasterCard, and Visa (EMV) Chip Technology

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When should your credit union convert to chip-based credit and debit cards instead of the traditional magnetic stripe format? Countries all over the world have been using Europay, MasterCard, and Visa (EMV) chip technology for years, and the USA is ready to catch up and eventually eliminate the existing magnetic stripe solution. Recent retail store data breaches have created an even stronger impetus to implement this fraud resistant format. The technology may be just what your credit union needs to reduce plastic card fraud losses.

A | Evaluating & Optimizing Your Loan Portfolio

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Managing a balance sheet is never easy and often trends can be unpredictable. The long low interest rate environment coupled with highly competitive, but quickly growing credit union lending, has pushed many credit unions to the extremes of liquidity. Huge loan demand and managing tight liquidity or excess deposits presents challenges as to where to invest.

A | Financial Statements Made Easy . . .Finally!

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Understanding financial statements and reports is vital for many people in the credit union. However, many volunteers and employees come from non-financial backgrounds and do not fully grasp the nature of accounts, relationships between accounts, and the importance of critical financial statement elements.

A | FinCen & BSA Guidance for Serving Marijuana Related Businesses

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In this webinar we will cover FinCen’s guidance in regard to Marijuana Related Businesses. We will also go over the guidance provided by the Department of Justice. You will hear about the core requirements for BSA, as well as various red flags associated with Marijuana Related Businesses.

A | Fulfilling NCUA Financial Literacy Requirements for Directors, Part 2

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As a board member of a federal credit union, you have an obligation to know and understand how your credit union is doing financially.NCUA Regulation 701.4 (b)(3) requires that federal credit union board members be financially literate, able to understand their credit union’s Balance Sheet and Income Statement and “ask appropriate, substantive questions of management.”

A | Fundamentals of ACH

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As more credit unions both receive and originate ACH entries, it’s vital that management, operations and member services staff understand the ACH network, applicable rules and associated risks. This ACH Basics session will focus on the fundamentals of ACH, including the history of the network, defining the parties of ACH transactions, their roles and responsibilities, and the transaction flow and settlement process.  In addition, we will cover all aspects of exception item processing, including your options in handling unauthorized transactions, stop payments or revoked authorizations. This is a basic overview of ACH and intended for individuals new to ACH  operations and front line staff.

A | How & Why to Audit Your CUSO

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Credit Unions continue to expand the use of CUSOs in an effort to provide additional services to members. While these CUSOs are generally related to some part of the financial services industry their operations generally differ from the credit union’s operations. These CUSOs also have been subject to limited regulatory oversight. Given these circumstances consideration should be given to performing audit procedures on the CUSO. This session will review NCUA regulatory requirements related to CUSOs as well as risks and audit procedures that could be performed on the CUSO.

A | How CECL Will Impact Your Credit Union and What You Need to Do Now, Part 2

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In session 1 we examined the factors that led to CECL.   This included a historical review, outcomes and consequences as well as  directions from FASB affecting implementation. Session 2 will build on that foundation by presenting and  evaluating strategies for preparing to implement CECL.  We will examine  static pool analysis in comparison to credit migration and the impacts of each  method on credit unions.

A | How to Prepare for a Rising Rate Environment

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Maintaining healthy Net Interest Income (NII) is critical to credit union health. It is clear that the economic upturn is pressuring the Fed to raise rates which could directly impact NII directly.  This webinar will address the factors that will signal further rate increases and provide tactical responses credit unions can use to protect earnings and hold onto deposits.

A | Implementing Current Expected Credit Losses (CECL) Using an Excel Based Approach

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By now most everyone has heard of the new accounting pronouncement (ASU 2016-13) that will have a significant effect on how your credit union will compute your allowance for loan and lease losses (ALLL) along with a potential increase in your ALLL. This is commonly referred to as the new CECL model that you will need to implement in 2021.

A | Investment Basics

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With strong share growth and flat to negative loan growth in recent years contributing to sizable growth in credit union investment portfolios, it’s important for students to have a basic understanding of investments. The presentation also will look at the impact of the current interest rate environment on portfolio yields and net interest margins.

A | Is Your Credit Union Ready for the New Rate Environment?

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This webinar will be presenting and evaluating multiple scenarios, strategies, and forecasted outcomes in a rising rate environment. We will discuss and examine a typical small credit union’s balance sheet composition and inherent interest rate and liquidity risks.  We will then review multiple scenarios run through an IRR model and evaluate several best-case and worst-case responses by management and the members to a rising rate environment.

A | IT Audit101 - The Basics

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A well planned and structured IT audit program evaluates the risk management program and processes, information and cyber security, internal controls, and IT policies and procedures. It is also required to meet regulatory compliance and is a best practice to ensure you are the best you can be.

It is a well-known fact that the stronger your audit program, the more examiners will rely on it and potentially spend less time in your institution examining.  Whether you are going to perform an internal audit, are building your audit risk assessment or program, or just want to make sure your auditors are doing a comprehensive review, this program is for you.

A | Key Elements in an ACH Risk Management Program

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Examine the components of an ODFI risk assessment along with highlights on some less-than-obvious considerations:

  • Have you really thought of everything from the ODFI perspective?
  • Have you considered every area-from systems to vendors, compliance to legal, and operations to credit?
  • Have you reviewed third-party processors and senders?

A | Keys to Implementing Your ALM Process

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The components of asset/liability management (ALM) continue to be hot topics for regulators.  Organizing your ALM process is essential to satisfy both the regulatory requirements and ensure your credit union is positioned correctly for the future.

A | Loan Participation Due Diligence: Risk, Reward, and Regulations

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“Due Diligence”: the two most important words in the loan participation process. Understanding just what questions to ask and starting small with what you know can help credit unions gain experience. Join us for an interactive discussion that will explore the risks, rewards, and regulations from experts in the field.

A | Managing Liquidity, Capital Profiles, & Other Critical Issues

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In this presentation, Casey Peterson of Catalyst Strategic Solutions, Catalyst Corporate FCU will focus on the impact of credit union funding mixes and earnings analysis/strategies. We will also discuss the influence liquidity and capital profiles have on credit union strategic initiatives. You'll learn about:

A | Managing Your Investment Portfolio Assets

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Join Ben Lemoine of Catalyst Strategic Solutions at this overview on how to prudently manage your credit union’s investment portfolio through various economic and interest rate cycles. Mr. Lemoine will focus on maximizing your balance sheet liquidity while retaining a manageable interest rate risk profile to protect membership capital. Mr. Lemoine will help you decide your credit union’s answers to these questions:

A | Member-Friendly Non-Interest Income

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Noninterest income has become essential for the success of today's credit unions, but leaders rightly struggle to balance the necessary income with the needs of members. Chad Helminak of the Filene Research Institute outlines the results of a Filene project that explores how credit unions are growing noninterest income in ways that are transparent, freely chosen, and pay for services that add value to members.

A | New Financial Accounting Standards Board (FASB) Rules

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This webinar will provide an update on significant accounting and financial reporting matters for financial institutions. It will also address future matters with a particular focus on developments with the proposed expected loss model and other recent accounting developments, including the activities of FASB, EITF, and AICPA.

A | Ordering & Understanding Your Credit Union's Audit Report

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Contracting for your credit union’s audit can seem like an overwhelming task and understanding the issued reports can be downright confusing. In addition, the National Credit Union Administration and state regulators have high expectations regarding the duties and oversight provided by supervisory committee members.

A | Plastic Card Fraud

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Even with the growing popularity of mobile payments and the added security of “chip cards”, plastic card fraud is still rampant. What can you do to reduce your credit union’s plastic card fraud vulnerability and liability? To find the best way to deal with fraudulent transactions, start by knowing your credit union’s options, rights, and responsibilities. Join Becky Garton and Robert Jarosinski from CUNA Mutual Group as they discuss the fraud epidemic, strategies for fighting it, and ways to measure the effectiveness of your fight.

A | Prepare Your Credit Union for Current Expected Credit Loss (CECL), Part 1

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Session Description:  Whether you are preparing  for the implementation of CECL or if you are hiring a vendor, CECL affects all  institutions with financial assets measured at amortized cost. Your credit  union and your operations will be impacted.

A | Preparing Your Credit Union's 5300 Call Report

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Are you new to call reporting, or are you looking to solidify your understanding? The call report is an important document that is publicly available and used extensively by examiners and auditors to evaluate the risk and financial performance of your credit union. The stakes for accurate call reporting couldn’t be higher with potential penalties of up to $1 million. This informative webinar will cover the following:

A | Preparing Your Credit Union's ALM Strategies for the Regulators

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How can you prepare your credit union’s ALM strategy to meet the requirements of the regulators on the Interest Rate Risk (IRR) measures of Net Economic Value (NEV) and Net Interest Income (NII), and still ensure you meet your profit needs within the requirements?

A | Regulation E Remittance Transfer Rules

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Part 2 of the Three-part Wire Transfer Webinar Series

A | Regulation E: Electronic Funds Transfers

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When Regulation E was first adopted in 1978, the number of electronic transactions was a fraction of what we see now. Keeping up with rule changes and staying compliant was much easier than in today’s electronic environment. How can you stay up-to-date on Regulation E requirements and issues? Join credit union compliance expert Michael Christians from PolicyWorks LLC for Regulation E basics and the latest interpretations of recent and future changes to this important regulation.

A | Risk Management Basics: A Guide to Seven Categories of Credit Union Risk

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Credit unions are in the risk business. Every product or service we offer carries the possibility of exposure or loss, but also the potential for increased financial stability and net worth.

A | Show Me the Money -  A Payments Industry Overview

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The payments industry is in a state of  change like never before. Faster payments, financial technology, and mobile are  just a few of todays hot topics. Justin Lutes, Catalyst Corporates Vice  President, Correspondent Services, provides an industry overview. Hell discuss  payments history, current landscape, and what may be on the horizon.

A | Tax Reform and Its Potential Impact on Member Behaviors

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Dr. Robert Eyler provides economic insight to the new tax reform act passed late in 2017 and its potential effects on credit unions due to effects on members.  Personal taxes, corporate taxes, real estate, both homes and commercial, have all been affected in different ways by changes in the tax code.  Also, not all changes take effect right away, and there is a sunset date in place. 

A | Tax Reform and Sales Tax Nexus: Implications for Credit Unions

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The scope and scale of the 2017 Tax Act is so great that the IRS continues issuing new guidance for taxpayers in virtually every industry, including tax-exempt organizations. This session will discuss the potential impact of the law on credit unions and will also address the so-called “Tax Case of the Millenium,” South Dakota v. Wayfair.

A | The ABCs of Loan Participation

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This introduction to loan participation is the first part in a three-part series to help credit unions who are looking to engage expanding their loan portfolios to include loan participation. Jeff Hamilton of Catalyst Corporate FCU, along with credit union CEOs who are actively using loan participation will explore the basics between loan participation and traditional investments.

A | The Benefits of Derivatives

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Interest rate volatility has increased. Derivatives can be powerful interest rate risk management tools for credit unions concerned about their exposure to changing interest rates. Learn how they work, how to incorporate them into your institution's Asset/Liability Management framework, and NCUA's regulatory guidance regarding their use.

A | The Do's & Don'ts of ACH Dispute Handling

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Financial institution retail centers and call centers are often faced with handling consumer disputes of ACH debits on their account. Many situations aren’t covered in the ACH rules book guidelines nor is here any clear direction from other resources. This session focuses on the most common disputes, and provides staff with a basic understanding of what is required to maintain compliance plus tips on handling these issues.

A | The Lending Model that Maximizes ROA

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The vast majority of credit unions were not “Born Digital”. With one foot in the past and one in the future, many credit unions struggle with attracting and growing direct loans. Learn how the most successful credit unions are maximizing remote delivery to increase sales. “Convenience” has been redefined.

A | Using Technology on a Budget

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Learn how to take advantage of technology and online services to maximize every budget dollar spent on your member service and lending operations!

Wayne Watters, President of Travis County CU in Texas, will share his experience with developing cost-effective tools online and in the office to boost productivity and deliver the in-branch experience over the internet.

A | Vendor Due Diligence

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By now, you probably know that the NCUA requires that all federally-insured credit unions have a Vendor Management Program. What you may not know is that the NCUA also expects credit unions to develop their own, internal vendor management expertise – even if you’re using a vendor for most of the due diligence. After all, what good is getting due diligence information about a particular vendor if you don’t know what to do with it? In this 1.5 hour Program, you will learn:

A | Weighing Technology ROI for a Profitable Future

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What technologies are transforming the profitability and delivery of credit union products and services? What are the “must have” tech capabilities your credit union must have to remain relevant to your members’ changing preferences and needs? Explore the answers with technology authority Tim Lerew as you work through an interactive ROI spreadsheet tool for evaluating both assisted and automated loan originations at your credit union. Experience first-hand the new technology products that aim to compete directly with your credit union’s delivery channels, pushing CU’s to re-examine the ROI of their channel strategies.

A | What Your Board Packet is Really Telling You

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Board reports help directors assess their credit union’s condition and determine if the level of risk taken conforms to the board’s policies and risk appetite. To see the true picture, directors must ask the right questions and be able to look at the trend and level of individual measures, and the inter relationships among capital, asset quality, earnings, liquidity, market risk, and balance sheet growth. In this session, Ancin Cooley will help you understand what the board report data really means and the questions you should be asking, as he discusses:

A | When Your Credit Union is Sued

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Join Bruce Pearson and Haley Rebel as they discuss a “best practices” approach for identifying and responding to various types of legal suits that may be served upon a credit union. With their combined expertise and experience, Bruce and Haley will provide valuable insight into a credit union’s first response when presented with legal actions against a credit union.

A | Wire Fraud and Risk Mitigation

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Part 3 of the Three-part Wire Transfer Webinar Series

A | Wire Transfer Basics

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Part 1 of the Three-part Wire Transfer Webinar Series

 

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