Managing the Risks of Social Networking

In 2008, studies showed that 75% of online adults use social networking sites at least once a month, including FaceBook, MySpace, Twitter, LinkedIn, etc.. Financial institutions are increasingly using social networking sites for marketing and customer relationship purposes. There are many risk management related issues when a bank takes the plunge into the social networking space. Advertising compliance, BSA/AML issues, UDAP, Fair lending, information security and payment regulations all bear on a bank's social networking activities. All of these issues will be discussed in this session, along with the issues related to the bank's own employees use social networking sites at work. What attendees will learn:

• How advertising regulations apply to social networking and social commerce sites
• Where social networking marketing is heading
• How payment channels intersect with social networking
• What are best practices in a risk management program for social network marketing

Real Estate Compliance—Letting the Dust Settle

Now that the new RESPA and TILA rules are effective—what have we learned? What are some of the pitfalls that are still out there? How have financial institutions implemented the rules in the best, most cost-efficient manner? This will provide an overview of the new disclosure and underwriting requirements and how they are impacting financial institutions. What attendees will learn:

• New disclosure rules for all mortgage loans
• New requirements for Higher Priced Mortgage Loans
• Escrow rules that become effective 4/1/10
• Best practices for compliance recommendations for streamlining processes

We will provide a checklist of important considerations for implementing these changes within the institution

Fair Lending Compliance—Learning from the Enforcement Actions

Fair lending compliance remains one of the hottest topics in the lending compliance arena. The regulators have actively issued enforcement actions for years. The Department of Justice has published several consent agreements with financial institutions based on many types of illegal discrimination. Our discussion will cover the most important of these and will draw conclusions that bankers can use to protect their banks against lawsuits and civil money penalties. What attendees will learn:

• The most significant fair lending enforcement actions from the past 10 years
• The current focus of fair lending examinations
• Fair lending danger points
• The best practices for implementing an effective fair lending risk management program
• How to use fair lending risk assessments and fair lending reviews to find and mitigate fair lending risk

Changes to Truth: How do they affect my Bank?

The Federal Reserve has substantially changed Truth in Lending advertising and disclosure rules for loans secured by residences. This session will explain the changes and the impact on an institution's lending procedures. What attendees will learn:

• The new advertising requirements for open-end and closed-end credit
• The new disclosure requirements for loans secured by dwellings
• The new requirements for high cost mortgages
• A checklist of process considerations for implementing these changes within the institution

Identity Theft Compliance Best Practices

The Identity Theft Red Flag implementation date has come and gone. Now most institutions will face an examination in the coming year that will measure their compliance efforts. Our regulatory experts will explain the best practices in operations, lending, new accounts and information technology for detecting and responding to Identity Theft Red Flags, as well as mitigating the damage that identity theft problems can cause the bank's customers. What attendees will learn:

• An overview of the requirements for Red Flag compliance
• The best practices for implementing these requirements in the institution
• Mitigation strategies to ensure that customer's identities are safe
• Information on newly issued examination procedures for Red Flag compliance exams
• Best practices for in-house verification of Red Flag processes

Newly issued Flood Insurance Q&As—How do they affect my Bank?

Regulators have named flood compliance as one of the hottest topics this year. Flood violations are the second most common cause of civil money penalties. Find out how the agencies are implementing the 2007 flood changes and what institutions should do to make sure they stay out of trouble. What attendees will learn:

• An overview of the newly-issued regulatory questions and answers on the mandatory purchase of flood insurance
• The changes in the Mandatory Flood Guidelines issued in 2007
• Real life case studies on how the new rules apply
• Explanations of how to resolve discrepancies in flood zones (including the grandfathering rule)
• Understanding of how the residential and commercial condo rules work

RESPA Changes: How do they affect my Bank?

HUD has finally issued regulations that substantially change the early disclosure and HUD-1 requirements on real estate loans. These rules are effective on 1/1/10. Make sure your institution is ready with the new forms and new procedures well before that date. What attendees will learn:

• The new Good Faith Estimate disclosure rules
• The new HUD-1 disclosure requirements
• The new Servicing Transfer disclosure requirements
• The new requirements for average cost disclosures
• New escrow-related requirements
• How to implement these changes within the institution

New NACHA Rules and ACH Controls

Every year payment processes become more sophisticated and more complicated. More customers utilize ACH systems, either through the bank or through third party processors. NACHA rules change to accommodate new technologies and new ACH uses. Learn the latest rules and the best risk management practices for ACH payment systems. What attendees will learn:

• The latest NACHA rules
• The compliance, BSA and fraud risks of ACH transactions directly and through third party processors
• How to evaluate the ACH risk of new and emerging technologies
• Best practices for ACH transactions and operations

CRE Compliance: Best Practices

The CRE interagency guidance is two years old, just in time for real estate prices to hit their lowest levels in more than a decade in many parts of the country. Regulatory scrutiny of CRE portfolios and risk management systems is expected to be greater than ever. Learn the best risk management practices for CRE portfolio management. What attendees will learn:

• What examiners are expecting from institutions that are high-risk for CRE exposure
• Risk management best practices for handling the institution's CRE function
• Methods of stress testing CRE loans individually and by portfolio
• Best practices for appraisals on CRE

Common Errors in Call Report Completion

Call report reporting is often considered one of the more mundane jobs in banking. However, incorrect call report coding of loans is one of the biggest reason for CRA data quality problems as well as overstating CRE portfolios. Hear about the most common call report errors and how they can be avoided. What attendees will learn:

• Best practices in accurate Call Report completion within the organization
• Qualifications for Call Report information management
• Common Call Report lending errors and best practices in their correction
• Recent Call Report changes

Establishing and Running an Effective Vendor Management Program

Vendor management has become one of the hottest topics in the regulatory compliance world. This session will cover the risk management issues involved in vendor relations, including information security, contract negotiation and vendor due diligence. Learn the best practices in vendor management. What attendees will learn:

• What regulators expect in vendor management
• Information security best practices for vendors
• Best practices for the following vendor management operations:
  1. due diligence
  2. contract requirements and negotiation
  3. monitoring and cost controls
  4. on-going relationships
  5. developing RFPs

BSA/AML Common Errors

What are the most common BSA violations? What are the most sensitive BSA/AML areas in BSA examination? Find out how to avoid common BSA problems in 2010 and learn about the emerging BSA issues. What attendees will learn:

• How many enforcement actions were issued in 2009 by the five financial institution regulatory agencies
• What the most common reasons were for issuing cease and desist orders
• What errors caused the greatest number of civil money penalties
• What BSA/AML areas will garner the most examiner focus in 2010
• A checklist of essential things to do to shore up the institution's BSA functions

Managing the Examination Process

Often a problem examination can be avoided if the examination process is managed correctly. An effective examination process begins long before the examination is scheduled and continues through the management response to exam findings. This session will explore methods for managing regulatory and safety and soundness examinations to put the bank in the best possible light. What attendees will learn:

• How to prepare for the exam—well in advance of receiving the exam notice
• What to provide to examiners up front
• How to manage the process while the exam is in progress
• Best practices for exam responses and follow up
• When and how to appeal examination results

Stop Risk Management Overkill—A roadmap for process improvement and cost containment

Conducting risk assessments for the sole purpose of window dressing the risk management program for examiners is a waste of time. Risk assessments should lay the groundwork for process improvements in all areas of risk management, including regulatory compliance, internal audits, fraud detection and control and credit risk management programs. Learn how to make a risk assessment work for your bank to cut costs and manage risk more effectively. What attendees will learn:

• An overview of the types of risk assessments, both broad one (Enterprise Risk Assessment) and narrow one (Information Breach Risk Assessments)
• How to use Risk Assessments to improve processes and cut costs in all areas of the institution
• When to update Risk Assessments
• How to put Risk Assessment to work all year long

Insider information breaches—where is your bank vulnerable?

Some studies show that more than half of all information breaches are caused by insiders to the organization. Learn how information is leaked due to carelessness, negligence and malicious behavior. Find out how a bank can prevent information breaches from happening from the inside by improving processes and judicious use of technology. What attendees will learn:

• The most common ways insiders leak information
• How information is leaked inadvertently, through carelessness or negligence
• How information is leaked maliciously
• Real life stories on financial institution information breaches and how they were handled
• Legal requirements for information breach responses
• Best practices in avoiding information breaches form the inside using both processes and technology
• Best HR practices to prevent information breaches
• How Information Breach Risk Assessments can assist the institution in its prevention efforts

BSA/AML Enforcement Actions—Lessons Learned

Learn the top 10 BSA errors to avoid based on the enforcement actions issued by all bank regulatory agencies in 2008 and 2009. Discover the best practices in BSA/AML management and how to implement them in the most cost efficient manner. What attendees will learn:

• The top 10 problems financial institutions had with BSA/AML compliance during the previous two years
• The best practices for avoiding these in your institution
• Tips for handling a BSA/AML examination

We will provide a checklist.

Surviving a CRE Examination

Find out what the regulatory agencies are requiring of a bank's CRE portfolio management program and how an institution can best position itself to come through an examination with flying colors. What attendees will learn:

• Regulatory agency hot CRE topics as stated in publically issued horizontal examination
• Risk management processes to implement in the CRE portfolio management area to prevent examination problems
• Best practices for managing the examination process to prevent negative exam findings
• Overview of the current CRE climate