Mobile deposit capture (MDC) has become a cornerstone of modern banking, offering convenience and efficiency to both financial institutions and their customers. However, with this growth comes a heightened need for robust risk management and compliance measures. This session explores the critical challenges surrounding MDC, from the fraud schemes that target deposits to the operational hurdles that can undermine efficiency. You’ll gain practical insights into how financial institutions can streamline processes, reduce errors, and enhance customer satisfaction while also navigating the complex regulatory landscape. By the end, you’ll have a clearer understanding of how to balance innovation with security and compliance in today’s fast-moving digital environment. Learning Objectives: Identify common fraud schemes targeting MDC and the associated risks for community banks. Evaluate best practices for minimizing errors and enhancing customer satisfaction in MDC operations. Implement compliance measures to ensure adherence to regulatory standards in MDC programs. Duration: 90-minutes Presented live and recorded on 07/14/26.

IRA amendments can be complex. But, understanding them is essential for compliance and effective account management. This session explores the requirements for IRA documents, examines the differences between model agreements and prototypes, and explains why a prototype document may be used. You’ll review the latest guidance on required amendments so that by the end, you can confidently navigate these rules and provide accurate directions to your accountholders. Learning Objectives: Describe the purpose of IRA amendments and why they are required. Identify the essential elements that must be included in an IRA document to remain compliant. Discover the latest regulatory guidance for IRA document amendments. Duration: 60-minutes Presented live and recorded on 07/15/26.

This seminar provides a practical overview of how to accurately complete Currency Transaction Reports (CTRs) and Suspicious Activity Reports (SARs). Participants will learn what information is required on each form, what regulators expect to see, and how to avoid common reporting errors. Learning Objectives Identify when a CTR or SAR is required and distinguish between the reporting requirements for each form. Accurately complete CTR and SAR forms, including required data fields and narrative sections, in accordance with regulatory guidance. Apply best practices to avoid common filing errors and ensure reports meet examiner and FinCEN expectations.

As deposit competition intensifies and liquidity management grows more complex, community banks must rethink how they price, position, and grow deposits. The challenge isn’t simply attracting balances; it’s doing so efficiently, without compromising margin or balance sheet stability. Darling Consulting Group will break down the market dynamics shaping deposit behavior, explain how price elasticity should inform decision-making, and share practical tactics for striking the right balance between cost-savings and liquidity needs. You’ll also explore precision pricing approaches for CDs and MMDs to stay competitive in an elevated-rate environment.  By the end of this session, you’ll walk away with actionable insights and analytics-driven strategies you can apply immediately to optimize funding costs and strengthen your deposit strategy for 2026. Learning Objectives: Discover effective tactics to reduce funding costs by aligning pricing strategies, liquidity needs, and balance sheet goals in a competitive deposit environment. Understand price elasticity and deposit behavior to better anticipate how customers respond to rate changes and make informed pricing decisions. Apply precision pricing approaches to CDs and MMDAs to protect margins, manage runoff risk, and remain competitive without overspending on deposit acquisition. Duration: 60-minutes Presented live and recorded on 7/21/26.