At ICBA Securities, we provide community bankers the tools to grow their investments.

Financial institutions and payment processors undergo payment audits annually. While each payment channel has its own audit requirements, much of the requested documentation is similar. This webinar examines the audit requirements for ACH, Wire, Remote Deposit Capture, and RTP® and discusses what you can expect throughout the audit process.

Learning Objectives:

• Identify audit requirements across multiple payment channels.
• Understand the documentation and compliance expectations for ACH, Wire, Remote Deposit Capture, and RTP®.
• Apply practical strategies to anticipate auditor expectations and ensure audit readiness.

Duration: 75 minutes

Presented live and recorded on Aug. 4, 2026.

No credit committee wants to read an epic non-fiction piece of work. The key to an effective credit write-up is to focus on the core risks. Each credit request begins with a problem, usually a cash shortfall. As a banker, your job is to find out why the borrower is short on cash and how the asset will generate enough money to repay the loan.

Each request will have three to five key credit risks. You need to clearly explain these risks and show how your loan structure will address them. These risks might involve the market, management, financial numbers, inventory, receivables, or other business issues. Learn how to spot these concerns and explain them clearly and effectively.

Learning Objectives:

Identify the main credit risks in a loan request and analyze their impact.

Explain key risk factors and connect them to loan structure for effective mitigation.

Apply best practices to create credit write-ups that address the borrower’s cash flow and repayment plan.

Duration: 60 minutes

The formal requirements for financial institution compliance under the Bank Secrecy Act (BSA) are significant. With the regulatory agencies committing to tougher and more inclusive BSA/AML examinations, it is important to make certain your BSA/AML program is appropriate for your institution's risk exposure. 

Gain in-depth knowledge, resources, and peer networks to effectively manage your BSA/AML function or audit this function properly. This comprehensive training covers the primary requirements of each segment of the regulation and offers guidance on best practice expectations in each area.

To earn the Certified BSA/AML Professional (CBAP) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285.

Learning Objectives:

• Review Bank Secrecy Act and Anti-Money Laundering program requirements, including emerging trends and industry observations.
• Analyze traditional financial recordkeeping elements of currency transactions, monetary instrument sales, and funds transfers.
• Take a comprehensive look at the CTR and SAR forms, including filing scenarios and dynamic “should you file” discussions.
• Study Customer Identification Program (CIP) requirements including the Customer Due Diligence and Beneficial Ownership requirements.
• Discuss high-risk customer monitoring tactics-including an in-depth look at account ownership expectations, enhanced account review, and OFAC compliance.
• Review key suspicious activity monitoring program components.
• Identify techniques to improve your BSA risk assessment to address all business lines and risk exposures at various levels within your bank.

Understanding the financial performance of your bank is crucial in leading a high performing organization. This seminar assesses how the marketplace is affecting the bank and how bank management is in turn responding. One must understand this relationship to create accurate financial statements.

By understanding the linkage between the bank balance sheet and income statement, monitoring key measurements in the bank as well as the decisions that management is making in response to the economic marketplace, we can effectively assess the strengths and weaknesses in our bank.

Once these interrelationships are understood, participants will walk through the CAMELS Rating to predict where their bank may score. Lastly, we will look at a way to create future budgets using the starting point of the Return on Assets.

This is a foundational class that does require experience in understanding financial statements, particularly experience in reviewing income statements, balance sheets and basic ratio analysis. It is most helpful for those either in bank management, on a bank board or aspiring to future leadership roles in the bank.

Learning Objectives:

• Complete a pre-session assignment that reviews your bank's financial statements to get a feel for the condition of the bank.
• Discuss the existing marketplace, and the impacts they are currently seeing, as well as management's approaches to addressing the impacts.
• Review the Balance Sheet and Income Statement of a bank to build an expectation of the interrelationships that exist in financial institution statements.
• Measure and set key financial statement ratios to assess the condition of the bank as well as to understand what decisions will be required to improve the performance of the bank.
• Apply information from the financial statements to build a CAMELS Rating for your bank
• Be exposed to building an annual budget with an ROA Tree model.