Knowledge Entries

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  Overdraft Protection

  05/24/2011

  In the last few months, overdraft protection programs have been under fire. From the FDIC’s new rule to recent lawsuits, all types of... Read more
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  The Evolution of the Bank Board Post-Economic Crisis

  By: Geri Forehand on 05/04/2011

  The director and officer liability stakes are getting higher, the bar is being raised, and most bank boards of directors are saying how... Read more
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  Draft Your Electronic Delivery Channel Strategy Before the Component Parts

  By: Kelly Trammell on 12/14/2010

  Smartphones. Emerging payment systems. Web 2.0 developments like social media. These are new technologies. Now, throw in a trend like demographic... Read more
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  Analysis of the FDIC Final Overdraft Program Guidance

  12/12/2010

  On November 24^th 2010, the FDIC issued its final guidance and supervisory expectations for overdraft payment programs (see... Read more
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  On the Origin of Income

  11/01/2010

  The landscape for mortgage-broker compensation is changing. Are you ready? Here’s a look at what’s coming and how brokers — and their... Read more
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  To Disclose, Or Not To Disclose

  09/08/2010

  With the implementation of Regulation E, it appears that the dynamics associated with a financial institution’s overdraft program yet... Read more
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  What Lessons Can Be Learned from the Wells Fargo $203M Lawsuit

  08/30/2010

  On August 10, 2010, a large “ripple” emanating from San Francisco was felt throughout the banking world. The “ripple” was caused... Read more
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  Wireless WAN Security

  08/24/2010

  Banks have an ever-increasing need for Wide Area Network (WAN) services to transfer information among their central locations, branches... Read more

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• How to Interpret the Latest FDIC Proposed Overdraft Program Guidance
  08/23/2010

  Late last week the FDIC came out with their FIL-47-2010, which detailed its latest supervisory expectations, and asked for comment on them... Read more

• The Inevitable Conversion: Achieving Faster Return on Investment
  08/09/2010

  Whether banks approach them as positive or negative, technology conversions are inevitable at every institution. Each year, nearly 1,100... Read more

• Core Deposits More Critical than Ever to Bank Profitability
  08/05/2010

  The financial services market continues to be fragmented, with profitable customers sharing their wallets among two, three, or sometimes... Read more

• Are You Ready for an Operational Risk Management Solution?
  08/05/2010

  So you survived the chaos of 2009 but it's time to fast-forward to 2010. How about focusing the second half of 2010 on delivering value... Read more

• Seeing Versus Knowing: Why Corporate Governance Has Been Perceived as Failing Lately
  By: John P. Hurlock on 07/26/2010

  The press has been talking about it for a while. If you Google it, you find almost a half million hits: try it- corporate governance failure-... Read more

• Capital Planning: At a minimum, each organization's Capital Plan should address the organization's current and future capital requirements.
  By: Geri Forehand on 07/20/2010

  At a minimum, each organization's Capital Plan should address the organization's current and future capital requirements. Read more

• Focus on Succession Planning
  07/12/2010

  Given the current state of the economy, it's no surprise that many financial institutions are re-evaluating their current staffing structure... Read more

• Vendor Management
  06/21/2010

  It may be understandable that with many of the issues taking place in the industry today that vendor management might be far priority list... Read more

• Keep Checking the Rear View Mirror to Avoid Disaster: Objects in our industry's mirror change on a rear-view basis.
  06/15/2010

  Objects in our industry's mirror change on a rear-view basis. Read more

• The Importance of Technology in Managing Your Institution's Liquidity
  By: John P. Hurlock on 05/25/2010

  Liquidity management has evolved from a minor element of risk execution to its current status as one of the four risk management areas... Read more

• Gen Y in Community Banking
  05/12/2010

  We hear a lot about Gen Y – the Millennials, the Echo Boomers, the Net Gen. They are between the ages of 15 and 32, and at about 70 million... Read more

• Bank Capital is King, but How Much is too Much?
  By: Curtis Carpenter on 05/10/2010

  Although the banking industry continues to labor under the weight of billions in nonperforming assets, we think we can spot some early signs... Read more

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