Director Training

Most people in the banking business are familiar with IRS Form 1099-INT, which deals with true interest payments (payments for the use or forbearance of money). 

In response to the 2023 bank failures and tightening liquidity conditions, the focus on liquidity and risk management has intensified. It is a crucial time to explore how proactive financial institutions are adopting "best practice" approaches to liquidity management.

Banks experience challenges in raising capital, ensuring shareholder liquidity, and managing board and ownership succession. These challenges are compounded by volatile tax laws, including the potential sunset of the Tax Cut and Jobs Act of 2017. Discuss alternative strategies for such banks to maximize shareholder value, definitively decide S versus C as well as to create paths for ownership continuity.

Artificial Intelligence (AI) will be a critical enabler for businesses all around the world. Financial institutions have much to gain in using this new technology to improve back-office operations, drive customer engagement, and improve resource effectiveness in departmental operations. However, there are significant regulatory and compliance risks and considerations that must be evaluated and mitigated in order to utilize the new technology to broaden effectiveness. Review key security and compliance risks, appropriate tools for management and mitigation, and how to plan effective scaling of operations while leveraging automation and artificial intelligence.

Banking for a non-profit organization is different from working with a typical business. In addition to credit, cash management is crucial for a non-profit, especially during fundraising events or before taking on a new project. Bankers should understand that building a relationship with a non-profit takes time and effort. It’s not enough to just show up. To stand out, the bank needs to be actively involved, whether by supporting fundraising efforts or having volunteers serve the non-profit.

Welcome to banking! There is hardly a vocation that touches more lives than the finance industry. To fully realize what we do, one needs to understand the banking industry.

Brokered deposits are a key funding source for community banks, helping diversify their funding mix. This session will cover the legal framework for brokered deposits, including the FDIC’s proposed rules from 2024, along with current industry trends. We will also explore reciprocal deposits, a valuable tool for attracting and retaining large deposit customers.

Brokered deposits provide an important source of funding for community banks. Recent changes to FDIC rules and guidance have offered clarity in certain areas of the brokered deposit regulatory regime while creating uncertainties in other areas. Discuss the general legal framework surrounding brokered and core deposits, and industry trends.

Further details will be available 30 days prior to the webinar date.

Financial institutions must build and maintain high-performing boards to drive success and navigate complex challenges. Focused on key corporate governance issues, emerging trends, and how to enhance stakeholder value, this session will provide actionable insights to help directors fulfill their core obligations and meet their fiduciary duties with confidence. Attendees will leave with a clearer understanding of how to build a better, more effective board that supports long-term organizational success.

Real-time Payments (RTP) volume represents many of the instant payments volume in the U.S. Approximately 1,000 financial institutions have made the connection to receive real-time payments (RTP), with many more set to adopt.

The current and prospective banking environment has many community banks considering capital raising alternatives. If your bank is in this position, it is important that your board understands all of the available capital-raising alternatives.

From time-to-time, banks consider whether a different category of bank charter would be right for them. Walk through some of the items banks should consider when changing charters, and the process of changing charters or primary federal regulator.

Each payment network has its own set of rules and regulations, and the check network is no exception. Regulation CC and the Uniform Commercial Code Article 3 and Article 4 pertain to all checks. However, the clearing path dictates which rules apply.

The most prominent competitive advantage for community banks is their ability to provide better, more personal service than larger institutions. This requires community banks to have a top-notch team that can operate in an efficient and effective manner. Attracting and retaining these quality teams becomes more difficult every year and came to a head while the industry navigated COVID-19 and economic uncertainty. Discuss compensation structures and strategies to attract and retain the team your community bank needs to drive continued growth and success into the future.

The demands on community bank directors have increased exponentially in recent years. Without question, the most difficult challenge for community bank directors (most of whom are not career bankers) is fulfilling their obligation to ensure the institution achieves and maintains compliance with applicable laws and regulations.

Community banks are well accustomed to operating subject to an ever-evolving set of standards imposed by their regulatory agencies. One area that has undergone significant changes is the expenses incurred by community banks. 

Community banks must constantly ensure they maintain compliance with applicable laws and regulations to operate efficiently and avoid being placed in the regulatory penalty box. This is particularly important regarding regulations governing potential insider abuse, such as Reg. W and the restrictions and limitations it places on affiliate transactions.

At its core, community banking is risk management. In addition to community banks’ commitment to risk management on a day-to-day basis, it is important that community banks utilize insurance to protect themselves, their directors and officers from both internal and external risks. Discuss key insurance protections, with a focus on directors’ and officers’ insurance policies and financial institution bonds, as well as relevant insurance issues that can be applied to insurance protections in other areas of community bank operations.

There’s no denying that cybercrime is on the rise, and that means your institution needs to do everything it can to prepare for the worst. To that end, we’ll look at cybersecurity trends from the top down, addressing commonalities within targets, types of breaches, attack methods, and more. Discuss how the board can be instrumental in making cybersecurity an organizational focus, why organizations need to change their view of security and threats in our new and evolving cybercrime landscape, and what actions they can take to begin minimizing risk.

During this webinar bankers will learn about the different customer channels available and their associated risks, potential third-party partners, and costs to the business. 

Organizational change requires buy-in from all parts of the business—from bank directors to senior management to bank staff. 

The banking industry has seen a rapid adoption of advanced technologies to streamline operations, enhance services, and optimize performance. Although this digital transformation has greatly benefited the industry, will it disrupt your Bank Secrecy Act/Anti-Money Laundering (BSA/AML) and regulatory compliance programs? During this presentation, we’ll discuss the necessary tools and strategies your board and executives must deploy to align your digitization efforts with your compliance requirements.

Is your community bank actively engaged in a formal strategic planning process? If not, it should be. If it is but feels like total B. S., it’s time for a change! Strategic planning is a critical component of corporate governance, yet it’s often misunderstood or poorly executed. It doesn’t have to be boring, unproductive, or painful. A well-designed strategic planning process should be engaging, goal-oriented, and focused on actionable steps that drive accountability across the organization.

The transfer of bank or bank holding company stock as part of a shareholder’s estate planning process can involve several potential regulatory, corporate, and tax issues. Banks and bank holding companies should be aware of what these issues are, how they could impact their institution, and how they can proactively educate their shareholders on these issues.

The regulators have shifted their approach to liquidity and interest rate sensitivity. Administrative actions have proliferated. Even the banks avoiding such fate are seeing Matters Requiring Attention (MRAs) and supervisory recommendations. At the same time, the liquidity crisis and interest rate environment are introducing new credit risks and opportunities.

Many of the community banks in the United States can be considered family or closely held institutions. These institutions have a unique set of challenges and opportunities. This presentation will address these challenges as they relate to the family, the board, and management of these closely-held/family-owned institutions.

On October 24th, the banking agencies finalized significant changes to the Community Reinvestment Act (CRA). The final rule is designed to adapt CRA regulations to banking industry changes, improve clarity to regulated institutions, tailor evaluations and data collection to bank size and type, and maintain a unified interagency approach.

On October 24, the banking agencies finalized significant changes to the Community Reinvestment Act (CRA). The final rule is designed to adapt CRA regulations to banking industry changes, improve clarity to regulated institutions, tailor evaluations and data collection to bank size and type, and maintain a unified interagency approach. The final rule takes effect in April 2024 and will require mandatory bank compliance by January 1, 2026.

Financial institutions face growing regulatory scrutiny when managing high-risk customers. This session explores how to identify these customers, apply effective Enhanced Due Diligence (EDD), and ensure proper monitoring and documentation. 

Join ICBA experts for a quarterly update on industry news and highlights. The 75-minute briefing will include details about regulations and congressional events from inside the Capital Beltway and across the U.S.

Join ICBA experts for a quarterly update on industry news and highlights. The 75-minute briefing will include details about regulations and congressional events from inside the Capital Beltway and across the U.S.

Join ICBA experts for a quarterly update on industry news and highlights. The 75-minute briefing will include details about regulations and congressional events from inside the Capital Beltway and across the U.S.

Join ICBA experts for a quarterly update on industry news and highlights. The 75-minute briefing will include details about regulations and congressional events from inside the Capital Beltway and across the U.S.

Join ICBA experts for a quarterly update on industry news and highlights. The 90-minute briefing will include details about regulations and congressional events from inside the Capital Beltway and across the U.S. We want to hear from you; participants are encouraged to bring questions to the briefing as the ICBA experts will answer questions from community bankers during the Q&A session.

On October 24th, the banking agencies finalized significant changes to the Community Reinvestment Act (CRA). The final rule is designed to adapt CRA regulations to banking industry changes, improve clarity to regulated institutions, tailor evaluations and data collection to bank size and type, and maintain a unified interagency approach. The final rule takes effect in April 2024 and will require bank compliance by January 1, 2026.

ICBA Members: Complimentary
Unlimited Webinar Pass subscription: $0

Join us for this 90-minute session as we hear from four bankers and four company founders who together are improving the performance of their banks using emerging agtech solutions. You’ll get a quick understanding of how they partnered to solve a particular challenge, how they deployed the solution and the results that they are experiencing.

Registration fee: $0 for members / $99 nonmembers

The Federal Deposit Insurance Corporation (FDIC) and other bank regulators have re-proposed a rule on incentive compensation for financial institutions with assets of at least $1 billion. This rule, which stems from the Dodd-Frank legislation passed 14 years ago, aims to set standards for bank incentive compensation programs. Is the third time a charm?

A breach is an organization’s worst nightmare, but should the worst come to pass, it’s not the end of the world. In fact, it’s time to respond. While your cybersecurity team is working to patch things up, the leadership team needs to stay informed. As a key part of your organization, what do you need to pay attention to during this time? What can you do to help prepare before a breach, and what can you do to help during or after one? Wolf & Company’s experts explain what you need to know about breaches, and how they can best be of service during or following an incident.

Financial institutions undergo comprehensive regulatory examinations to verify their lending compliance performance. However, consistently changing requirements and evolving environments can make it difficult to navigate your compliance obligations—leading to regulatory scrutiny. Hear firsthand expert accounts of the challenges and criticisms faced by financial institutions during examinations and audits and analyze the impact of industry trends on lending compliance. We’ll discuss the top violations flagged during lending compliance examinations, areas of concern that should be prioritized when evaluating a lending compliance program, and the highest-risk issues seen by examiners in the industry.

Further details will be available 30 days prior to the webinar date.

The regulatory examination environment is getting much tougher. Many community banks across the country are experiencing examinations that present unexpected circumstances and adverse findings. Prepare your community bank for its next examination by discussing the current regulatory examination environment, identifying the current regulatory hot buttons and examination issues that are causing community banks problems and providing recommended strategies to resolve identified problems during and after the examination.

The New Year will present every community bank with the opportunity to consider new strategies to maximize profitability, utilize capital efficiently, navigate compliance concerns, maintain safety and soundness, and enhance shareholder value.

On October 24, the banking agencies finalized significant changes to the Community Reinvestment Act (CRA). While ICBA and other trade associations have filed a complaint and request for preliminary injunction on the Final rules, it is still important to be prepared. 

Further details will be available 30 days prior to the webinar date.

The Quarterly Regulatory Compliance Webinars deliver the most up-to-date guidance on regulatory compliance, upcoming deadlines, available resources, and more. Offered quarterly, these 60-minute webinars deliver comprehensive information with actionable takeaways. Gain valuable perspectives and commentary from our team of knowledgeable educators, engage in discussions on current regulatory issues, and submit questions. Tailored for community bank compliance officers and risk managers, these webinars are also suitable for all banking professionals seeking to stay abreast of developments in the compliance landscape.

Attend the ICBA’s Quarterly Regulatory Compliance Webinars for the very latest regulatory compliance guidance, upcoming deadlines, resources, and more. Offered quarterly, these 60-minute webinars provide comprehensive information into manageable, actionable takeaways.

During this 60-minute webinar, examine the current regulatory priorities in safety and soundness. The speaker will describe how to mitigate risk associated with those priorities and stay ahead of regulatory hot buttons in exams and in transactions.

Gain an overview of the bank regulatory and supervisory highlights from 2023 and some predictions on what might be in store for 2024. The discussion will cover the regulators' identified top 10 priorities for 2024, as outlined in their annual risk guidance. These priorities encompass supervision, compliance, governance, and risk management.

Review the top regulatory issues that banks across the country are currently encountering, with predictions on the issues that regulators are most likely to focus on in 2025.  The presentation will also provide examples of best practices that boards of directors and management teams can implement to prevent and/or remediate regulatory concerns in 2025.

Criminals exploit weaknesses in your cybersecurity, and your digital identity is a key target. As a bank, it's essential to protect this area to maintain customer trust and strengthen your brand. Join Craig Schwartz, president of .Bank, along with ICBA member bankers, to learn how to secure your digital channels.

The environment for community financial institutions has changed drastically over the last five years due to shifts in interest rates, emerging technologies, evolving consumer preferences, and recent bank failures.

The aftermath of the Pandemic, coupled with new technologies, shifting consumer preferences, market changes, and recent bank failures, has reshaped the industry significantly. The financial industry faces various forces, challenges, and new competitors, all amidst prevailing uncertainty.

The aftermath of the pandemic, new and emerging technologies, evolving consumer preferences and other market shifts highlight the need for community banks to develop a strategic plan that is fluid.

Strategic planning in banking is constantly evolving in today’s economic and regulatory landscape. Discover key elements of strategic planning in an environment where the only thing certain is change – from political elections and global events, the domestic economy, and regulatory scrutiny, among others. Discussion will include key topics to address in every strategic plan, as well as topics unique to your institution, ranging from safety and soundness considerations like capital to succession planning.

Companies across all industries are striving to attract and retain top talent while achieving their strategic goals. To succeed, leaders must prioritize succession planning and integrate it into their organization’s talent management program and strategic plan. 

Over the last decade, one of the most significant challenges facing community banks has been attracting and retaining new directors and banking talent.

During the 2023-2024 Term, the Supreme Court issued several landmark decisions with significant implications for federal agencies. Examine an in-depth analysis of three pivotal cases—Loper Bright, Jarkesy, and Corner Post—and determine their potential impact on the banking sector.

The government's response to the pandemic initially led to significant asset growth in the banking industry but was subsequently followed by elevated inflation and a sharp rise in interest rates. Funding cost pressures and deposit mix changes, along with credit trends in both consumer and commercial loans reflect increasing uncertainty. Explore potential outcomes and the implications if these trends continue or intensify.  

While the basics of unclaimed property reporting are consistent for all holders, financial institutions can face particularly complex questions and issues around unclaimed property. From determining the proper state for escheatment, to deciphering dormancy rules around complicated property types like IRAs, financial institutions must take care to understand the scope of their unclaimed property reporting requirements to stay compliant.

Financial institutions may be overlooking key obligations under Executive Order 11246, Vietnam Era Veterans Assistance Act (VEVRAA), and Section 503 of the Rehabilitation Act. These regulations require employers to collect and analyze specific data, prepare annual affirmative action plans, and conduct pay equity analyses. This session will identify key compliance areas and discuss best practices for achieving and maintaining compliance.

The banking industry is facing continued deposit pressure after recent Federal Reserve rate hikes. The outflow of low-cost deposits and changes in deposit mix have hurt margins and raised concerns about interest rate risk (IRR).