Events

Winter Summit XII

jkinzler@ibat.org — Mon, 07 Nov 2011 11:35:48 -0500

Date: Feb 12 2012 - Feb 14 2012

Place: Harrah’s at South Lake Tahoe

Final plans are together, and registration is now open for the popular IBAT Winter Summit XII. The dates – February 12 – 14. The place – Harrah’s at South Lake Tahoe. The players – the top regulators and banking attorneys in Texas, plus an economic update and investment strategy session with Jeff Caughron from The Baker Group. Great learning opportunity, great value, great venue . . . and opportunities for networking and recreation as well.

Interested in becoming a sponsor? Click here.

Sunday, February 12
4:00-6:30pm           Registration
5:30-6:30pm           Opening Reception
6:30-8:30pm           Group Dinner

Monday, February 13

7:30am - Breakfast/Best Practices/Networking
8:00-10:00am - General Session - What’s New With the Regulators

Joe Meade - Deputy Regional Director, Federal Deposit Insurance Corporation, Dallas
Bob Hankins - Executive Vice President, Federal Reserve Bank of Dallas
Randy Fenimore - Assistant Deputy Comptroller, Office of the Comptroller of the Currency
Charles Cooper - Banking Commissioner, Texas Department of Banking
Moderator: Steve Scurlock, IBAT Executive Vice President

An opportunity to candidly discuss the pertinent issues of the day with the leading bank regulators in this region. Topics covered will include:

The evolving regulatory process
State of the industry
Capital Planning
The compliance avalanche
Risk management
Dealing with Dodd—Frank
Examination “hot buttons”

4:30-6:30pm Apres-Ski - General Session - Hot Issues - Cool Guys: A Dialogue with the Banking Lawyers

Sandy Brown - Dallas Office Managing Partner, Bracewell & Giuliani, LLP
Chet Fenimore - Partner, Fenimore, Kay & Harrison, LLP, Austin
Rick Brophy - Beard Kultgen Brophy Bostwick Dickson & Squires LLP, Waco

Three of the preeminent banking lawyers in Texas will address current issues impacting your bank and your bottom line, including mergers and acquisitions, compliance, emerging legislative and regulatory issues, taxes, FASB initiatives, executive compensation and other “hot issues”...and will address your questions in a relaxed and informal setting.

7:00pm Group Dinner

Tuesday, February 14

7:30am - Breakfast/Best Practices/Networking
8:00-10:00am - Open Forum—A Panel discussion with the regulators and attorneys.
4:30-6:30pm - Apres-Ski - Update on the Market

Jeff Caughron - Associate Partner, The Baker Group

An economic update on what's going on in the markets, thoughts on interest rate trends, and investment strategies in a time of uncertainty.

Winter Summit Brochure

Place: Harrah's & Harvey's, South Lake Tahoe

Date: February 12-14, 2012

Thank you to our sponsors:

GOLD

Schwartz & Associates

SILVER

BRONZE

Condley and Company, LLP
Fenimore, Kay & Harrison, LLP
Bracewell & Giuliani, LLP
Beard Kultgen Brophy Bostwick Dickson & Squires, LLP

Accepting Powers-of-Attorney: 10 Deposit Account Hotspots

jkinzler@ibat.org — Wed, 28 Dec 2011 16:10:22 -0500

Date: Feb 14 2012

Place: Webinar

Accepting Powers-of-Attorney: 10 Deposit Account Hotspots

WEBINAR OR ON-DEMAND WEB LINK (LINK INCLUDES FREE CD ROM)
Register

Tuesday, February 14, 2012

12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

Someone you have never met walks into your bank with a power-of-attorney (POA) and demands to be added to a customer’s accounts – an elderly customer with no children and hundreds of thousands of dollars. Thoughts of fraud rush through your mind.

This is when thorough, well-written power-of-attorney procedures can protect the customer and the bank against litigation. Rather than scrambling to decide how to handle each case, procedures that comply with state law, internal processes, and the signature card contract should be established to shield the bank and the customer. This webinar will cover power-of-attorney “hotspots” and how to prevent costly mistakes when handling these high-risk documents. It will also provide procedural guidance and a chart with links to your state law and key components for your state’s POA statutes.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   Types of power-of-attorney: springing, durable, specific, military, etc.
•   Specific types of power-of-attorney on treasury checks
•   State law issues: POA affidavits, recording, and accepting the role
•   Durable versus nondurable – what is the risk?
•   POAs on trusts, businesses, UTMA, Social Security accounts, IRAs and other fiduciary relationships
•   Can a power-of-attorney borrow, open a safe deposit box, sign a signature card, or remove an authorized signer?
•   What happens if a POA tries to benefit by naming him/herself as joint tenant WROS or as POD beneficiary?
•   When the court appoints a conservator, does it supersede a POA?
•   How should powers-of-attorney endorse checks?
•   Who is subject to CIP verification? The owner or power-of-attorney?
•   Can the bank set rules for powers-of-attorney and when should that be done?

WHO SHOULD ATTEND?
This informative session is designed for new account representatives, customer service representatives, deposit operation staff, tellers, branch managers, and any personnel who open or manage deposit account relationships.

MEET THE PRESENTER
Deborah L. Crawford,
gettechnical inc

Community Bank Actions for Debit Card Interchange Rules: Effective April 1, 2012

jkinzler@ibat.org — Wed, 28 Dec 2011 16:14:44 -0500

Date: Feb 15 2012

Place: Webinar

Community Bank Actions for Debit Card Interchange Rules: Effective April 1, 2012

WEBINAR OR ON-DEMAND WEB LINK (LINK INCLUDES FREE CD ROM)
Register

Wednesday, February 15, 2012

12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

Effective April 1, 2012, community bank issuers of debit cards must comply with the
“network exclusivity and routing” provisions of Reg II. Beyond offering transaction routing via at least two unaffiliated debit networks, banks must also plan for the broader challenges and opportunities presented by the new debit interchange rules.
Learn what you need to know now and what to do next.

On June 30, 2011, the Fed issued Reg II, the final rule implementing the Durbin Amendment to the Dodd-Frank Act. While most credit unions are exempt from Reg II’s interchange rate caps, all community banks must comply with the rule’s network exclusivity and routing provisions. Moreover, community banks must also understand and plan for the potential impact of merchants’ newly-acquired power to route and steer transactions at the point of sale. Will merchant routing/steering capabilities be so discriminating that small issuers will indirectly experience the same 45% reduction in debit interchange that the final rule exacts directly from the largest issuers? What about general purpose reloadable prepaid cards and alternative payment networks? Join us to learn the bottom line on how the new debit interchange rules will reshape payments and interchange revenue for banks.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   Compliance checklist, timelines, and new Fed FAQs
•   Winners, losers, and implications of new debit interchange rules
•   Top 5 opportunities, options, and responses for community banks
•   Consumer (in)tolerance of debit/DDA fees; a competitive differentiator
•   Profitable alternatives to fee-based debit/checking

WHO SHOULD ATTEND?
This practical session is designed for officers and staff responsible for the strategic direction, profitability, pricing, and compliance of your bank’s debit card, prepaid card, and alternative payment programs/offerings.

MEET THE PRESENTER
Lee Wetherington,
AAP, ProfitStars

Required Compliance Series: Regulatory Compliance for the Board & Senior Management

jkinzler@ibat.org — Wed, 28 Dec 2011 16:18:11 -0500

Date: Feb 16 2012

Place: Webinar

Required Compliance Series: Regulatory Compliance for the Board & Senior Management

WEBINAR OR ON-DEMAND WEB LINK (LINK INCLUDES FREE CD ROM)
Register

Thursday, February 16, 2012

12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

An effective compliance program begins at the top. Board and management training is key in a strong compliance program. It is vital that directors understand the various compliance areas that require their annual review and approval. This session will cover required training for BSA, fair lending, privacy, and red flags for identity theft. The board-specific high-risk areas will be addressed in layperson terms. Issues for financial institutions of all sizes and locales will be included. This webinar will ensure directors and management understand their responsibilities and liabilities before examiners arrive at the door!

Continuing Education: Attendance verification for CE credits provided upon request.

Don’t Miss the other
Required Compliance Series Webinars!

Sign up for the entire series and receive 6 webinars for the price of 5.
Click here to learn more about the Required Compliance Series.

HIGHLIGHTS
• BSA – Director responsibilities and liabilities; board reporting and communication required
• Fair Lending – A recent hot button

• How can your bank mitigate the risk of any fair lending issues that may surface?
• Key areas covered during fair lending examinations

•   Privacy Issues – From the board room to every employee, the privacy of customer information is imperative and expected
•   Red Flags for Identity Theft – The specific requirements for board reporting will be covered to ensure the correct information is being presented to the board
•   Administrative Issues for Compliance – Examiners are focusing on the compliance administrative processes throughout the institution, which begins at the board table. Do you know what is expected?

IMPORTANT TOOLS PROVIDED
This training will include the following items so that you are able to provide solid documentation for examiners:
•   Letter of attendance certification with webinar outline
•   Electronic training log
•   Quiz you can administer to measure staff learning and a password-protected answer key

All registrants will receive the attendance certification and training log, regardless of whether they attend the live or archived version.

WHO SHOULD ATTEND?
This informative session is designed for all board members and senior management. It will be advantageous to have your compliance officer and auditor attend this session with the board in order to answer specific questions about your bank’s program.

MEET THE PRESENTER
Ann Brode,
Brode Consulting Services, Inc.

Business Account Takeover Alert: What You Need to Know Now!

jkinzler@ibat.org — Wed, 28 Dec 2011 16:30:21 -0500

Date: Feb 22 2012

Place: Webinar

Business Account Takeover Alert: What You Need to Know Now!

WEBINAR OR ON-DEMAND WEB LINK (LINK INCLUDES FREE CD ROM)
Register
Wednesday, February 22, 2012

12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

Do you know how the latest cyber-attack vectors are successfully defeating standard authentication controls and putting your business customer’s financial transactions and NPI at risk? Now is the time to educate key personnel involved with cash management, treasury management, IT, and information security on the latest trends in online banking risk management and compliance strategies. Learn how new strategies and additional layers of authentication controls will mitigate risk to commercial account takeover, improve your financial institution’s overall security posture, and meet the recent FFIEC Supplementary Authentication Guidance compliance objectives.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   Understand the steps involved with Commercial Account Takeover and the new ways that sophisticated criminals are bypassing controls
•   How to create internal strategies for your bank to stay one-step ahead of current and future cyber-attacks
•   Learn the best ways to educate business customers on their role in protecting financial transactions and NPI
•   Inform personnel about available resources to strengthen security strategies

WHO SHOULD ATTEND?
This informative session is designed for cash management staff, treasury management personnel, information security officers, IT administrators, and operations personnel.

MEET THE PRESENTER
Jacqueline Marshall,
Gladiator Technology

GFE & HUD-1: Issues & Update

jkinzler@ibat.org — Wed, 28 Dec 2011 16:34:07 -0500

Date: Feb 23 2012

Place: Webinar

GFE & HUD-1: Issues & Update

WEBINAR OR ON-DEMAND WEB LINK (LINK INCLUDES FREE CD ROM)
Register

Thursday, February 23, 2012

12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

We have been continually hopeful that the new Consumer Financial Protection Bureau (CFPB) would quickly resolve the issues that all financial institutions have been experiencing with RESPA’s Good Faith Estimate and HUD-1 disclosures. The CFPB has been actively working toward new and improved documents. Unfortunately, the latest information indicates that it will be significantly into 2013 before financial institutions will be in a position to use the new forms. This means that the industry will have to continue the struggle with the existing forms for a while longer. This webinar is designed to address the current issues that continue to challenge all of us.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   The rules for the current forms
•   “Hot button” regulator issues regarding the GFE and HUD-1
•   Results of reviews and common issues
•   Areas of the forms that pose the biggest risks for reimbursements
•   Review techniques that will be effective for the current forms

WHO SHOULD ATTEND?
This informative session would best suit consumer real estate lenders, loan processors, auditors, senior lenders, underwriters, and others who participate in the consumer real estate function of your institution.

MEET THE PRESENTER
Bill Elliott,
Young & Associates, Inc.

Brenham Cluster Program: Bank Secrecy Act

jkinzler@ibat.org — Tue, 10 Jan 2012 14:51:36 -0500

Date: Feb 23 2012 6:30pm - 8:30pm

Place: Brenham

Content

Impact if all employees don’t consider BSA/AML their responsibility
Correlation of the Bank’s Risk Profile with CIP & CDD
CTR & SAR Essentials
Actions to take to make BSA compliance more customer friendly
Board of Director’s involvement in BSA/AML
Detecting Money Laundering
Consequences of Non-Compliance

Speaker
Mary White - Mary leads IBAT’s Cluster training initiative in addition to serving on the faculty of IBAT’s Bank Operations Institute. Audiences value her engaging style whether she’s talking about compliance or performance management. Mary also owns the training & consulting firm, WTC Performance Group.

What Others Have Said:
"Everyone here at State National Bank enjoyed the training so much we were still buzzing about it the next day. We like how you held your workshop, it had a down to earth feeling to it. Even though, we were a group it felt as if you were talking one-on-one with each one of us. You really help us understand the many aspects of the BSA / AML programs." -Susann Minyard

Registration Form Available Soon

2012 ICBA Compliance Institute

jkinzler@ibat.org — Fri, 06 Jan 2012 09:50:17 -0500

Date: Feb 26 2012 - Mar 2 2012

Place: Dallas

The ICBA Compliance Institute is a comprehensive learning experience that covers the areas of regulatory compliance a community bank Compliance Officer is responsible for.

This experience is designed to introduce or reinforce all of the basic elements of each regulation to the attendee while illustrating the common pitfalls and solutions experienced professionals face. Past attendees have ranged from experienced bankers seeking to reinforce their knowledge base with current best practices to first time bankers requiring a complete introduction to all aspects of community bank regulations.

This solid foundation allows the attendee to return to their bank and support the product and service offerings their bank needs to provide to its community to remain competitive in their market place. Each regulation is approached in terms of the requirements, best practice internal controls and audit objectives. Learning is reinforced with many sample disclosures, applicability charts and matrices.

IBAT Regional Meetings

jkinzler@ibat.org — Tue, 06 Dec 2011 14:58:18 -0500

Date: Feb 28 2012 - Mar 1 2012

Place: Texas

Schedule

Round 1

Monday, February 6
Graham • Lunch
Fort Worth • Reception

Tuesday, February 7
Amarillo • Breakfast
Lubbock • Lunch

Wednesday, February 8
El Paso • Lunch
San Angelo • Reception

Thursday, February 9
Waco • Lunch
San Antonio • Reception

Round 2

Tuesday, February 28
Galveston • Breakfast
Schulenburg • Lunch
Harlingen • Reception

Wednesday, February 29
Corpus Christi • Breakfast
Houston • Lunch
Kilgore • Dinner - SOLD OUT

Thursday, March 1
Sulphur Springs • Lunch
Dallas • Reception

Registration Form

Sponsorship Information

TOUR SPONSORS

LUXURY CLASS SPONSOR

FIRST CLASS SPONSORS

CARGO SPONSORS

Catalyst Financial Company
Office of Dispute Resolution Lubbock County

IT Security 2012: Regulator Hot Buttons

jkinzler@ibat.org — Wed, 28 Dec 2011 16:37:04 -0500

Date: Feb 28 2012

Place: Webinar

IT Security 2012: Regulator Hot Buttons

WEBINAR OR ON-DEMAND WEB LINK (LINK INCLUDES FREE CD ROM)
Register

Tuesday, February 28, 2012

12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

This program will identify information technology security hot buttons that are currently receiving state and federal regulators’ focus. Concentrating resources in these areas will better prepare your bank for your next IT exam. IT security is a balance of good security and compliance. This program will cover hot policy-related and technology-related items, providing a mix of information that will benefit your risk manager, compliance officer, security officer, technology manager, and operations manager. This must-attend session will help you secure customer information and be prepared for your next IT exam.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   Corporate account takeover and ACH fraud
•   Developing a commercial account risk management program
•   FFIEC supplement review – multifactor authentication
•   Layered security program and information security program
•   GLBA requires annual reporting to the board of directors
•   Enterprise risk management
•   Penetration testing and vulnerability assessments
•   Internal/external audit

WHO SHOULD ATTEND?
This informative session is best suited for COOs, CEOs, chief risk officers, chief information officers, information security officers, chief auditors, chief compliance officers, operations officers, board members, and anyone responsible for internal audit.

MEET THE PRESENTER
Dr. Kevin Streff,
Secure Banking Solutions

Castroville Cluster Program: Bank Secrecy Act

jkinzler@ibat.org — Tue, 10 Jan 2012 14:54:18 -0500

Date: Feb 28 2012 6:30pm - 8:30pm

Place: Castroville

Content

Impact if all employees don’t consider BSA/AML their responsibility
Correlation of the Bank’s Risk Profile with CIP & CDD
CTR & SAR Essentials
Actions to take to make BSA compliance more customer friendly
Board of Director’s involvement in BSA/AML
Detecting Money Laundering
Consequences of Non-Compliance

Understanding Borrowers’ Tax Returns, Part 2

jkinzler@ibat.org — Wed, 28 Dec 2011 16:41:16 -0500

Date: Feb 29 2012

Place: Webinar

Understanding Borrowers’ Tax Returns, Part 2: Income from Rentals, Royalties, Partnerships, S Corps & Farms

WEBINAR OR ON-DEMAND WEB LINK (LINK INCLUDES FREE CD ROM)
Register

Wednesday, February 29, 2012

12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

Calculating cash flow from personal tax returns can be a frustrating and grossly-inaccurate process. This webinar will teach you to determine how much cash income your borrower is really earning from capital gains and installment sales, rental properties, royalties, partnerships, and S corporations. S corporations are among the most difficult tax and cash flow issues because cash flow and taxable income are usually substantially different. Join us to learn how to identify real monthly cash flow quickly and reliably.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   Schedule E Page 1 – Calculate the real cash flow from Rental Properties?
•   Schedule E Page 1 – Understand the effect of mortgage interest and principal paid on debt ratios, cash flow, debt service, and disposable income
•   Schedule E Page 2 Partnerships – Learn which phantom incomes or losses to ignore to find the real cash flow
•   Schedule E Page 2 S Corporations – Even tougher than Partnerships, S Corps present even more “cash” versus “tax” issues. Find the real cash flow and learn what phony income or losses to ignore
•   Schedule F, Farm Income – Uncover additional income that might be hidden in farm income

DON’T MISS PART 1!
This program is the second of two in a series. There’s still time to register for:
“Understanding Borrowers’ Tax Returns, Part 1:
Basics, Itemized Deductions, Interest & Dividend Income &
Sole Proprietorships (Schedule C)”
on Thursday, January 26, 2012.

Or if you missed it, you can order
an archived recording of the live webinar, complete with handout materials.

WHO SHOULD ATTEND?
This informative session is designed for anyone in the lending area including chief lending officers, FSRs, CSRs, new accounts personnel, loan officers, loan underwriters, credit analysts, loan processors, branch managers, CEOs, and other key lending staff.

MEET THE PRESENTER
Tim Harrington, CPA, TEAM Resources

A Perfect Storm: Succession Planning Strategies for S Corp Bank Shareholders in a Down Economy

jkinzler@ibat.org — Wed, 08 Feb 2012 16:38:05 -0500

Date: Feb 29 2012

Place: Webinar

IBAT
&
Subchapter S Bank Association

A Perfect Storm: Succession Planning Strategies for S Corp Bank Shareholders in a Down Economy
WEBINAR AND/OR CD ROM
Register

Wednesday, February 29, 2012

8:00 am – 9:30 am Pacific
9:00 am – 10:30 am Mountain
10:00 am – 11:30 am Central
11:00 am – 12:30 pm Eastern

In the current economic environment, proper succession planning is crucial to shareholders of S Corp banks. This program will illustrate how today’s down economy impacts your business’s value and why it is a positive development in transferring wealth and creating succession planning strategies. In addition, you’ll learn how the use of Family Limited Partnerships and other trust strategies such as GRATs and Defective Trusts can facilitate wealth and succession planning. Join us for valuable information that shareholders need to develop strategic plans when navigating this difficult economy.

HIGHLIGHTS
•    The business valuation process
•    How current economic conditions have affected S Corp bank valuations
•    Steps and appropriate timing in succession planning
•    Tax strategies that make NOW an advantageous time to transfer or sell business interests
o    General issues affecting estate tax laws today
o    Family Limited Partnerships and Trust Strategies – how they can help your overall plan
•    The business valuation process
•    How current economic conditions have affected S Corp bank valuations

WHO SHOULD ATTEND?
This informative session is directed to Subchapter S bank presidents, CEOs, executives, and principal shareholders.

PLEASE NOTE: The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone.

ABOUT THE PRESENTERS – BKD LLP

Patricia Quintana-Perron, MBA, CPA, CHBC, CFP®, PFS
Patricia is a tax partner at BKD. She focuses on the tax and consulting needs of high-net-worth families and their closely held businesses and helps design and implement sophisticated wealth strategies. In practice for over 18 years, she is a member of the American Institute of Certified Public Accountants and Texas Society of CPAs, as well as the National Society of Certified Healthcare Business Consultants, Financial Planning Association and San Antonio Estate Planners Council. Patricia holds Bachelor’s and Master’s degrees from Texas A&M University.

Nancy J. Foringer, managing consultant of BKD’s Forensics & Valuation Services division, has over 15 years’ experience providing business valuation and litigation support services. She has experience performing business valuations for estate and gift taxes, stock transactions, financial reporting, commercial and shareholder disputes, family limited partnerships, employee stock ownership plans, succession planning and financing. She leads the firm’s banking valuation practice. Nancy is a member of the American Society of Appraisers and the American Institute of Certified Public Accountants. An Accredited Senior Appraiser (ASA) in business valuation, Nancy holds a Bachelor’s from the University of Northern Iowa.

Patrick S. Donehue is a tax partner with BKD. A CPA with over 30 years’ experience in tax and business consulting for medium-sized, closely held businesses, Pat provides specialized tax planning and compliance services and assistance in mergers and acquisitions for financial institutions. He also provides tax planning, business succession and exit strategies, state and local tax incentives and estate planning for manufacturers and distributors. A member of the American Institute of Certified Public Accountants and Oklahoma Society of CPAs, Pat holds Bachelor’s and Master’s degrees from Oklahoma State University.

Georgetown Cluster Program: Bank Secrecy Act

jkinzler@ibat.org — Tue, 10 Jan 2012 14:55:28 -0500

Date: Mar 1 2012 6:30pm - 8:30pm

Place: Georgetown

Content

Impact if all employees don’t consider BSA/AML their responsibility
Correlation of the Bank’s Risk Profile with CIP & CDD
CTR & SAR Essentials
Actions to take to make BSA compliance more customer friendly
Board of Director’s involvement in BSA/AML
Detecting Money Laundering
Consequences of Non-Compliance

2012 Banker Outreach Program - Austin

jkinzler@ibat.org — Thu, 12 Jan 2012 09:14:02 -0500

Date: Mar 6 2012

Place: Austin

The Independent Bankers Association of Texas and Texas Bankers Association have partnered with the FDIC to bring you this important update on current and emerging banking issues. Brochure.

Overdraft Protection Update: Regulations, Lawsuits & Guidance

jkinzler@ibat.org — Fri, 20 Jan 2012 17:01:22 -0500

Date: Mar 6 2012

Place: Webinar

Overdraft Protection Update: Regulations, Lawsuits & Guidance

WEBINAR OR ON-DEMAND WEB LINK (LINK INCLUDES FREE CD ROM)
Register

Tuesday, March 6, 2012

12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

Examiners are due next month! Will your bank pass overdraft protection policy and practice scrutiny? This program is designed to provide an update and teach you how to complete an ODP program checkup before examiners arrive. Whether your process is automated or ad hoc, whether you are an FDIC or OCC examined institution, there are specific areas that examiners will target in the examination process this year. This webinar will cover litigation, federal laws, state laws, and other ODP “hotspots” in today’s regulatory environment.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   Your ODP program – will it pass the test? An exam checklist
•   Regulation E, Regulation DD, and state laws
•   2005 joint guidance for all banks
•   2010 guidance for FDIC automated banks
•   Examination questions for FDIC and OCC banks
•   Examination “hot spots” and how the rules are being interpreted
•   Lawsuits around the country and how banks are being targeted for unfair trade
•   Policy, procedures, fees, and marketing in 2012
•   Fair or unfair trade? A look at potential federal and state issues
•   Frequently asked questions about overdraft programs

WHO SHOULD ATTEND?
This informative session is designed for compliance staff, deposit operations, and management who are responsible for implementing a fair and compliant overdraft program.

MEET THE PRESENTER
Deborah L. Crawford,
gettechnical inc

Commercial Lending Series: Lending to the Small Business Owner/Guarantor in Today’s Economy

jkinzler@ibat.org — Fri, 20 Jan 2012 17:04:39 -0500

Date: Mar 7 2012

Place: Webinar

Commercial Lending Series: Lending to the Small Business Owner/Guarantor in Today’s Economy

WEBINAR OR ON-DEMAND WEB LINK (LINK INCLUDES FREE CD ROM)
Register

Wednesday, March 7, 2012

12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

Dealing with small businesses has never been harder. Banks’ risk is up and return is down. Understanding how to work with individual business owners and target market to this important niche has become paramount to the bank’s success. This proactive webinar will cover vital aspects of small businesses and teach you to work more successfully with their owners/guarantors in today’s challenging economy. The program will include an introduction to legal issues, entity structure, providing credit to small businesses, the psychology of working with business owners/guarantors, risk factors in today’s market, and how to target market bank services to small businesses and their owners.

Continuing Education: Attendance verification for CE credits provided upon request.

Don’t Miss the other
Commercial Lending Series Webinars!

Sign up for the entire series and receive 6 webinars for the price of 5.
Click here to learn more about the Commercial Lending Series.

HIGHLIGHTS
•    How to deal with small businesses
•    Introduction to small business legal issues including entity structure
•    Providing credit to small businesses
•    How to deal with the business owner (a lesson in “psychology”)
•    Risk factors in today’s changing market
•    Target marketing the bank’s services to small businesses and business owners

WHO SHOULD ATTEND?
This informative session is designed for all who deal with small businesses, including chief credit officers, commercial lenders, credit analysts, loan processors, documentation specialists, branch managers, and business development officers.

MEET THE PRESENTER
David L. Osburn, MBA,
Osburn & Associates, LLC

Accounting/Auditing Series: Troubled Debt Restructuring Issues: The Accountant’s Perspective

jkinzler@ibat.org — Fri, 20 Jan 2012 17:08:56 -0500

Date: Mar 8 2012

Place: Webinar

Accounting/Auditing Series: Troubled Debt Restructuring Issues: The Accountant’s Perspective

WEBINAR OR ON-DEMAND WEB LINK (LINK INCLUDES FREE CD ROM)
Register

Thursday, March 8, 2012

12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

Troubled debt restructuring and six regulator concerns about TDR policies and procedures will be the focus of this webinar. Regulatory descriptions regarding experiencing financial difficulty and granting concessions will be provided. In addition, proper risk classification, reporting status, accrual status, impairment analysis, examples of impairment determination, and accounting for payments and expenditures will also be covered.

Continuing Education: Attendance verification for CE credits provided upon request.

Don’t Miss the other
Accounting/Auditing Series Webinars!

Sign up for the entire series and receive 6 webinars for the price of 5.
Click here to learn more about the Accounting/Auditing Series.

HIGHLIGHTS
•   Classifications – types of modifications
•   Troubled debt restructured loans – both retail and commercial
•   Granting a concession
•   Experiencing financial difficulty
•   Examples of TDRs
•   Collateral-dependent loans
•   Comprehensive review of a borrower’s financial condition
•   Identification of repayment source
•   Determination of collateral value
•   Market analysis
•   Appraisal requirements
•   Cost to sell
•   Credit classification
•   Reporting status
•   Accrual status
•   Proper risk classification
•   Impairment analysis
•   Report of condition and income
•   Posting payments
•   Accounting of expenditures

WHO SHOULD ATTEND?
This presentation should be attended by presidents, CEOs, CFOs, senior loan officers, auditors, and loan review personnel.

MEET THE PRESENTER
S. Wayne Linder,
Young & Associates, Inc.

2012 Banker Outreach Program - Dallas

jkinzler@ibat.org — Thu, 12 Jan 2012 09:15:59 -0500

Date: Mar 8 2012

Place: Dallas

The Independent Bankers Association of Texas and Texas Bankers Association have partnered with the FDIC to bring you this important update on current and emerging banking issues. Brochure.

2012 ICBA Convention and Techworld

jkinzler@ibat.org — Mon, 09 Jan 2012 12:04:43 -0500

Date: Mar 11 2012 - Mar 15 2012

Place: Nashville, TN

Do your 2012 goals include advancing your career or making your community bank more profitable and competitive? If so, make your plans to attend the ICBA National Convention & Techworld in Nashville. Hear from Ben Bernanke, John Walsh, Martin Gruenberg and Cam Fine who will address the nation’s largest gathering of community banks regarding their visions for the future of our country and the banking industry. Plus, you will learn how current and evolving trends are having a dramatic, long-lasting impact on community banks. Learn More.

Flood Compliance 2012: Review & Update

jkinzler@ibat.org — Fri, 20 Jan 2012 17:13:34 -0500

Date: Mar 13 2012

Place: Webinar

Flood Compliance 2012: Review & Update

WEBINAR OR ON-DEMAND WEB LINK (LINK INCLUDES FREE CD ROM)
Register

Tuesday, March 13, 2012

12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

Sometimes Mother Nature does not play fair. Devastating storms that threaten life and property seem to come every year! Banks play a vital role in ensuring that the provisions of the National Flood Insurance Program are carried out. Regulatory agencies are paying closer attention than ever before and they are quick to issue penalties. This must-attend webinar will provide a complete update on flood guidelines, as well as the most-recent Frequently Asked Questions. Flood property case studies will be covered to ensure proper application of information addressed during this session.

In addition, you will receive tools and sample procedures. The participant materials will be provided in MS Word so you can easily incorporate sample documents and language into your own policies and procedures. Join us for this webinar and make your next flood exam a non-event!

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   What loans are covered by this regulation?
•   Flood determinations: complete, accurate, and timely
•   Notice for flood properties – timing is imperative
•   How much flood insurance is enough? The most-recent FAQs focus on determining the appropriate amount of insurance.
•   Force placing insurance: what are your bank’s procedures?
•   Flood monitoring and tracking tools
•   Tools for reviewing your own files

WHO SHOULD ATTEND?
This informative session will benefit lenders, loan processors, compliance officers, and auditors.

MEET THE PRESENTER
Ann Brode,
Brode Consulting Services, Inc.

Writing Effective HR & E-Policies to Manage Behavior, Maximize Compliance & Mitigate Risks

jkinzler@ibat.org — Fri, 03 Feb 2012 10:36:20 -0500

Date: Mar 15 2012

Place: Webinar

Writing Effective HR & E-Policies to Manage Behavior, Maximize Compliance & Mitigate Risks

WEBINAR OR ON-DEMAND WEB LINK (LINK INCLUDES FREE CD ROM)
Register

Thursday, March 15, 2012

12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

All organizations need effectively-written business policies. Strategic implementation of a program that combines written rules with employee education (supported by policy management tools) can minimize or prevent costly and protracted risks, while mandating appropriate business behavior, and maximizing compliance with legal, regulatory, and organizational guidelines.

Here are three good reasons why every community bank needs effective written policies:

1.   Banks are obligated to maintain lawful and civil business environments. Written policies can communicate formal rules to everyone – from full-time employees to independent contractors;
2.   Compliance cannot be expected from an uninformed workforce. Effective written policies set forth what constitutes appropriate, acceptable, and lawful business behavior; and
3.   In case of a lawsuit or regulatory investigation, effective written policies will help demonstrate adherence to best practices and a commitment to operating a civil, compliant business environment.
Regardless of your comfort, skill, or experience as a policy writer, this program will improve the quality and effectiveness of your bank’s policy writing, training, and compliance management program.
Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   Proven three-step formula for policy writing success
•   How to apply the ABCs of effective policy writing
•   How and why you should conduct an annual policy audit
•   Smartphones, social media, web 2.0: 21st century technology tools require 21st century rules and policies
•   Best practices for writing effective policies
•   Why and how you must support written policy with effective employee training
•   Using technology to automate policy management
•   Applying the 3-Es of policy compliance management: establish policy, educate employees and enforce policy compliance

WHO SHOULD ATTEND?
This session is a must for anyone who is responsible for writing, implementing, and managing employment and electronic policies. HR, training, IT, legal, and compliance professionals will have a particular interest in this program.

MEET THE PRESENTER
Nancy Flynn,
The ePolicy Institute™

Director Series: Managing Liquidity Risk: The Board’s Role

jkinzler@ibat.org — Fri, 03 Feb 2012 10:40:28 -0500

Date: Mar 20 2012

Place: Webinar

Director Series: Managing Liquidity Risk: The Board’s Role

WEBINAR OR ON-DEMAND WEB LINK (LINK INCLUDES FREE CD ROM)
Register

Tuesday, March 20, 2012

8 - 9:30 am PT
9 - 10:30 am MT
10 - 11:30 am CT
11 - 12:30 pm ET

Although Liquidity is the L component of CAMELS, it has not received much attention until recently. The recent disruptions in the credit and capital markets have exposed weaknesses in liquidity risk measurement and management. This webinar will provide the tools for board oversight in order to fully comply with all of the new regulatory requirements for effective liquidity risk management. More importantly, this webinar will establish the methodology for your bank to be proactive in understanding your specific liquidity risk and to make decisions that will avert a significant liquidity event. This knowledge is important for all banks, regardless of your current liquidity status.
Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   The importance of a pro forma cash flow projecting future sources and uses of funds
•   The factors involved in stressing liquidity and the impact of that stress on your bank
•   The key components of an effective Contingency Funding Plan (CFP)
•   How to determine and then minimize the impact of a negative impact on liquidity
•   The impact of other significant liquidity changes if your bank becomes stressed:
•   Federal Home Loan Bank – additional hair cut
•   Loss of federal funds lines
•   Restriction on maximum deposit rates
•   Deposit withdrawals
•   How to apply for a waiver from the maximum national deposit rate if your bank is in a high-rate market

WHO SHOULD ATTEND?
This informative session is designed for community bank directors, presidents, CFOs, and other junior officers.

MEET THE PRESENTER
Gary J. Young,
Young & Associates, Inc.

Longview Cluster Program: Bank Secrecy Act

jkinzler@ibat.org — Tue, 10 Jan 2012 14:56:24 -0500

Date: Mar 20 2012 6:30pm - 8:30pm

Place: Longview

Content

Impact if all employees don’t consider BSA/AML their responsibility
Correlation of the Bank’s Risk Profile with CIP & CDD
CTR & SAR Essentials
Actions to take to make BSA compliance more customer friendly
Board of Director’s involvement in BSA/AML
Detecting Money Laundering
Consequences of Non-Compliance

You Received a BSA Exam Request Memo, What are the Proper Steps?

jkinzler@ibat.org — Fri, 03 Feb 2012 12:10:13 -0500

Date: Mar 22 2012

Place: Webinar

You Received a BSA Exam Request Memo, What are the Proper Steps?

WEBINAR OR ON-DEMAND WEB LINK (LINK INCLUDES FREE CD ROM)
Register

Thursday, March 22, 2012

12 - 1:30 pm PT
1 - 2:30 pm MT
2 - 3:30 pm CT
3 - 4:30 pm ET

You just received your BSA exam request memo. What’s the next step? Preparing for your next BSA exam is an ongoing process that begins well before the exam letter arrives. Once you do receive it, the first thing most BSA officers notice is that it’s quite long. This webinar will focus on how to address each item by turning the exam request memo into a checklist that guides you in putting together just what the examiners want. In addition, examiners’ “hot buttons” and other BSA officers’ experiences will be covered.

The participant manual will be provided in MS Word so banks can easily utilize the sample language to either develop or fine-tune current policy and procedures.

Continuing Education: Attendance verification for CE credits provided upon request.

HIGHLIGHTS
•   Step One: Dissecting the request letter into groupings by department
•   Step Two: Enlist help and delegate responsibility. Because BSA is a bank-wide exam, it will involve work papers from every department of the bank
•   Step Three: Reorganize the information for submission
•   Step Four: Additional steps that will keep examiners happy
•   Step Five: Learn from other BSA officers’ experience during exams

WHO SHOULD ATTEND?
This informative session is designed for BSA officers, compliance officers, and auditors.

MEET THE PRESENTER
Ann Brode,
Brode Consulting Services, Inc.

Events

Winter Summit XII

Winter Summit Brochure

Place: Harrah's & Harvey's, South Lake Tahoe

Date: February 12-14, 2012

Thank you to our sponsors:

GOLD

Schwartz & Associates

SILVER

BRONZE

Accepting Powers-of-Attorney: 10 Deposit Account Hotspots

Community Bank Actions for Debit Card Interchange Rules: Effective April 1, 2012

Required Compliance Series: Regulatory Compliance for the Board & Senior Management

Business Account Takeover Alert: What You Need to Know Now!

GFE & HUD-1: Issues & Update

Brenham Cluster Program: Bank Secrecy Act

2012 ICBA Compliance Institute

IBAT Regional Meetings

Schedule

Registration Form

Sponsorship Information

TOUR SPONSORS

LUXURY CLASS SPONSOR

FIRST CLASS SPONSORS

COACH SPONSORS

CARGO SPONSORS

IT Security 2012: Regulator Hot Buttons

Castroville Cluster Program: Bank Secrecy Act

Understanding Borrowers’ Tax Returns, Part 2

A Perfect Storm: Succession Planning Strategies for S Corp Bank Shareholders in a Down Economy

Georgetown Cluster Program: Bank Secrecy Act

2012 Banker Outreach Program - Austin

Overdraft Protection Update: Regulations, Lawsuits & Guidance

Commercial Lending Series: Lending to the Small Business Owner/Guarantor in Today’s Economy

Accounting/Auditing Series: Troubled Debt Restructuring Issues: The Accountant’s Perspective

2012 Banker Outreach Program - Dallas

2012 ICBA Convention and Techworld

Flood Compliance 2012: Review & Update

Writing Effective HR & E-Policies to Manage Behavior, Maximize Compliance & Mitigate Risks

Director Series: Managing Liquidity Risk: The Board’s Role

Longview Cluster Program: Bank Secrecy Act

You Received a BSA Exam Request Memo, What are the Proper Steps?