Products and Services

The rules and regulations governing IRAs, HSAs, and other tax favored savings accounts are constantly evolving. This can prove to  be challenging to keep up with. Rely on our industry experts to bring you up to date on recently proposed legislation and regulatory changes that may affect your organization and your clients.

Many community bank holding companies use share repurchase transactions as the primary avenue of liquidity for their common stock. These types of transactions have  myriad considerations, including those related to program structure, pricing, funding, regulatory, and corporate approvals.

Many community banks are contemplating the future of digital assets and the role they will play in the financial services industry. The various possibilities and issues related to virtual currencies, non-fungible tokens, and other digital assets are endless.

The Telephone Consumer Protection Act regulates how, when, and why banks can communicate with their customers and generate new customers. Discuss common marketing pitfalls faced by banks and learn how banks can structure their marketing programs to reach new and existing customers in a compliant manner. Recorded April 26, 2022.

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

Everyone is talking about AI and how it is changing how people work, live—and bank. This webinar is designed to provide community bankers with a primer on artificial intelligence and the opportunities the future may hold for community banks. Gain a clear understanding of the strengths and weaknesses of this technology and its potential impact.

Members: $219
Nonmembers: $319
Unlimited Webinar Pass subscription: $0

AI can be used in many different ways to power your bank offerings and services. Learn how bankers like you are implementing AI at their banks to benefit customers, evolving their user experience and augmenting existing resources to improve efficiency as well as how they are skilling up their teams to maximize the potential value of the technology.

Members: $219
Non-members: $319
Unlimited Webinar Pass subscription: $0

Before getting started with AI, understand the regulatory environment for banks adopting this new technology. When you implement AI in your business you will have to adhere to new and emerging regulations. Gain insights from the ICBA regulatory experts who have been keeping a watchful eye on the regulatory scene.

Members: $219
Non-members: $319
Unlimited Webinar Pass subscription: $0

Everyone is talking about AI and how it is changing how people work, live—and bank. This webinar is designed to provide community bankers with a primer on artificial intelligence and the opportunities the future may hold for community banks. Gain a clear understanding of the strengths and weaknesses of this technology and its potential impact.

Members: $429
Non-members: $729
Unlimited Webinar Pass subscription: $0

The ADA applies to almost all employers. It covers employers with 15 or more employees, labor organizations, employment agencies and joint labor-management committees. It also applies to state governments.

As a result, most banks will find themselves subject to the ADA. Additionally, the ADA includes specific requirements for the construction of ATMs and areas where ATMs are located. The first part of this course will discuss how the ADA impacts hiring and employment. We will then discuss how banks can improve accessible customer service standards and the ADA requirements for ATM construction.

Knock out your annual training requirements in one 90-minute webinar! This webinar is for seasoned bankers and senior staff. You’ve trained for years in these areas, now let us walk you through this refresher to meet all the annual requirements that will have you back in your routine in just 90 minutes. 

Knock out your annual training requirements in one 90-minute webinar! This webinar is for seasoned bankers and senior staff. You’ve trained for years in these areas, now let us walk you through this refresher to meet all the annual requirements that will have you back in your routine in just 90 minutes.

We’ll provide a general overview and key points covering:

• BSA/AML
• Physical Bank Security
• Reg CC
• Red flags
• Privacy
• Fair Lending
• SAFE Act
• UDAAP

Duration: 90 minutes

This policy offers guidance for directors, officers, and staff in effectively managing cyber risks in the context of artificial intelligence (AI). It addresses critical aspects, such as strategic planning, approval authority, acceptable use, incident response, and vendor management.

One of the most overlooked pieces of information we receive is likely the borrower's forecast or budget. Often it is an item we check off the list without digging into it. It is also a report that in many cases we hide in the file and never review after the close. This is one of the biggest mistakes that a portfolio manager or lender can make.

The ICBA Education Auditing Certificate program equips internal auditors with the knowledge and tools needed to successfully conduct and perform the internal audit function in their bank.

$999 / ICBA Members

$2,499 / Non-Members

With the Audit Working Papers you can establish strong audit procedures to help support your bank's internal control environment and mitigate institution risk. Ensure a complete and comprehensive cross-departmental audit scope with this customizable resource that can be scaled to fit the size, complexity, and risk profile of your bank.

Initial Price:
ICBA Member: $599
Nonmember: $799

Annual Digital Renewal:
ICBA member: $399
Nonmember: $499

What do marketing pros need to know? For bank marketers to effectively market a bank product or service you must have knowledge about your bank not just about the product or service you are marketing. Learn how you can understand your bank better. Study various aspects of banking, how to obtain specific data about your bank, marketing’s contributions, and marketing strategies.

ICBA Members: $219

Nonmembers: $319

Unlimited Webinar Pass subscription: $0

The Bank Compliance Check Up Program provides a comprehensive system and checklists for monitoring and determining the bank’s compliance with deposit, lending, administrative regulations, and other banking laws. Also included are over 40 training agendas and quizzes!

Initial Price
ICBA Member: $499
Nonmember: $799

Annual Digital Renewal
ICBA Member: $349
Nonmember: $649

The Bank Directors’ Bible (4th Edition, 2023) provides industry best practices, insights into issues encountered by community bank directors in today’s environment and how to effectively serve on community bank boards of all sizes.

Bank Director Program: $195

Bank Director Glossary includes more than 200 pages of customary terms used by regulators, executive officers, industry consultants, and attorneys. Presented alphabetically with clear and to the point definitions, this valuable reference guide is a must have for any community bank director or officer.

Bank Director Program: $195

The Bank Director Video Series features 7 different presentations that vary from 14-20 minutes in length. These can be used during board meetings, for annual training, new director training or topic refreshers.

Free for Bank Director Program Members

No prior knowledge of banking or law is needed as we explore banking regulation, the dynamic business of banking, and various other regulatory and business topics. Get ready for an engaging introduction that will leave you with a firm foundation in banking law.

Learning Objectives:

• Examine the bank regulatory landscape.

• Examine the foundation laws of banking.

• Learn about the business of banking.

Duration: 60-minutes

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

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.

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

Boardroom Strategies for Financial Institutions focuses on the relationships among board members and how to be effective inside the boardroom. It is a must have for new and experienced board members. This book is a companion book to The Ultimate Guide for Bank Directors, Revised Edition.

Bank Director Program: $23.95

Successful leaders surround themselves with talented individuals that complement their strengths. But as a leader, how do you find them? Complementary talent doesn’t just show up. It has to be sought out.

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.

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. 

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

Emerging threats and financial crimes are presenting challenges to community banks’ BSA program. It’s important to stay informed and vigilant to protect your bank and its financial transactions. Dive into the hottest trends regarding BSA, discuss traditional scams and    emerging scams, and examine the new Beneficial Ownership Rule – what you need to know and how it affects community banks.

During this one-hour webinar, your presenters, Kristen Ritter and Clint Jay from TIB Consulting Solutions, will provide a regulatory update and share common issues that have been creeping up in examination findings so that you can anticipate possible areas of concern and improve your procedures and controls. Recorded May 12, 2022.

During this 60 minute webinar, your presenters, Kristen Ritter and Clint Jay from TIB Consulting Solutions, will provide regulatory updates and share common issues that regularly come up. Recorded Nov. 1, 2022.

It’s 2024 and finally, the future we were promised is here. Artificial Intelligence (AI), Machine Learning (ML), and Robotic Process Automation (RPA) are operational and making the fight against financial crime easier and more effective. That is, if you have the requisite skills to take advantage. Otherwise, being a BSA Officer probably feels harder than ever to manage at its current pace of change.

The BSA/AML Video Training Series features 5 different presentations customized to provide job specific training for every member of your bank staff including Senior Management and Directors. This live action series contains fresh content, best practices, the latest hot topics in BSA/AML, and is everything your bank needs to comply with the annual training requirements.

Leadership development and succession planning place a high priority on any company’s ability to develop talent within their organization. We continue to hear stories from managers about the gap between Baby Boomers and Millennials. Recorded  March 30, 2023.

ICBA Members: $219
Non-Members: $319

In this quick "lunch and learn" video, Deborah Phillips, Senior Vice President, Payments & Technology Policy, ICBA and Senior Vice President, Industry Relations, ICBA Bancard breaks down the what, why, and how of Buy Now Pay Later (BNPL) with Scott Broughton, Senior Vice President, Marketing and Client Engagement, ICBA Bancard.

As banks risk rate clients, banks are also being risk rated under the CAMELS system. Understanding how the examiners will be reviewing bank performance is important for bankers to prepare for their next exam.

Inflation has dramatically changed stress testing. Liquidity, cost of funding, cap rates, appraisal evaluations, and other factors are changing the way capital adequacy is tested. Explore how banks think about such matters as well as what capital planning looks like today.

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.

Recorded: December 18, 2018

Length: 90 Minutes

Presenter: Marcia Malzahn

Operating lines of credit are never easy to analyze. Rarely are any two assessments the same. The key to setting the right line of credit is analyzing the borrower’s cash-to-cash cycle. Learn how to assess management’s stewardship of their cash, build expectations for industry standards, and develop a usable assessment to arrive at the right line of credit amount for your borrower. Explore operating entities in manufacturing, wholesale/distribution, retail, and service sector industries. Since managing credit risk does not end at the closing, participants will be given key monitoring points that help keep the life of the loan in good standing.

Financial Institutions provide great value to the American economy. But that value comes with risks. Risk Assessments are at the core of a strong Enterprise Risk Management (ERM) Program. Therefore, developing strong risk assessments for all key areas of the financial institution is crucial. Strategic-minded institutions do not strive to eliminate risk or minimize it. They strive to manage risk at the enterprise-wide level so that they incur just enough of the right kind of risk to effectively pursue their strategic goals. This is referred to as “Optimal Risk-Taking.”

Review the characteristics of strong Risk Assessments to ensure you address key areas of your institution and discuss how to develop an enterprise-wide process to conduct Risk Assessments. Gain practical tools and examples to implement in your organization immediately while strengthening your existing Risk Assessments and creating new ones.

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.

We know that people are writing less checks. However, did you know that checks continue to be the most common way financial crimes are committed? Join us for this 60-minute webinar to hear about the most recent trends in check fraud and what steps you can take to help prevent your institution from falling victim to financial crimes.

The Check Your Ad Program takes the guesswork out of determining the appropriate requirements for deposit and lending advertisements so that you can ensure your advertisements are compliant before an auditor or examiner finds a violation.

This white paper demonstrates that community banks are experts at monitoring the risk of their lending and investment portfolios and do not need more regulation to manage their potential climate risks.

ICBA will oppose any climate risk regulation that adversely impacts community banks and their ability to support their communities and customers.

The most intricate and challenging lending you can do is commercial and industrial. Learn about the various industries you will work with, the types of loans that you will use, how to analyze financial statements for key credit risk indicators, how to properly structure a loan, plus solidifying the relationship after the closing.

The key is not to be an order taker, but rather add value to your borrower’s business and build a relationship which is mutually beneficial.

Learning Objectives:

• Define the general lending concepts.
• Learn about the process of the C&I loan.
• Understand the cash cycles, sources, and uses of cash.
• Learn what to look for when assessing the marketplace impacts.

Duration: 60-minutes

This webinar will begin with a review of “commercial real estate” including types of properties and demand/supply in the “current” market. The session will then cover the entire “loan process” by which a commercial real estate (CRE) loan is marketed, underwritten, approved, documented, “closed,” and monitored.

When it comes to lending on commercial real estate, rent rolls and cash flow are just the tip of the iceberg. With the real estate market undergoing significant upheaval, whether it's owner-occupied, investment, or development, it's essential to know what to look for in terms of credit risk. This webinar aims to help you avoid headaches and losses in the future.

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. 

Reg. O is an insider abuse regulation which draws significant regulatory attention and scrutiny in the best of times. Economic concerns related to inflation and high interest rates, among other matters, will increase the regulatory attention and scrutiny on these issues.

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.

The Independent Community Bankers of America (ICBA) commends the Bureau of Consumer Financial Protection (BCFP) for initiating a wholistic review of its operations, and inviting dialogue and the pursuit of innovation through the publication of 12 requests for information (RFI).

ICBA responded to each RFI with the hope that the bureau uses the comments to reorient itself and focus on what it was intended to accomplish: facilitating greater consumer choice and efficient markets, while still vigorously enforcing consumer financial law in a way that guarantees due process. This paper is a summary of ICBA’s response to each RFI.

Community banks have served as America’s engines of local economic growth since our nation’s founding, and the United States remains the only country in the world served by a broadly based, vibrant community banking sector. As our economy and financial system continue to evolve, community banking must be preserved and strengthened. The empowerment of community banks is a sure route to rekindling America’s economic vitality.

Today we have an opportunity to comprehensively rethink, restructure, and modernize the regulation of the American financial services industry to ensure that it promotes economic growth, prosperity, and job creation. Regulatory relief for community banks is a critical part of this effort. The purpose of this paper is to describe what is unique about American community banks, survey the regulatory environment in which they operate, identify regulatory barriers, and recommend solutions that will allow them to serve as engines of economic growth and prosperity for generations to come

This compliance acronym reference guide will allow you to quickly parse out the abbreviations that can at times become confusing.

The ICBA Education Compliance Certificate Program is designed to give community bankers the knowledge and skills they need to become experts in bank compliance. They will learn to explain the role of community bankers in bank compliance, identify the regulations governing community banking, and identify the requirements of the laws governing community banks.

$499 / ICBA Members

$1,499 / Non-Members

The ICBA Compliance Deskbook is the industry’s premier resource for compliance information. Access regulations, important dates, agency guidance, questionnaires, and other resources in one place.

Initial Price
ICBA Member: $399
Nonmember: $549

Annual Digital Renewal
ICBA Member: $249
Nonmember: $349

Recorded May 23, 2022.

Has your institution kept pace with recent and upcoming regulatory changes? During this 60 minute webinar, you'll review recent and upcoming rule changes in the areas of consumer compliance, as well as discuss the regulatory environment and what may be to come. Recorded Aug. 2, 2022.

One of the three elements of an effective compliance program is monitoring and corrective action. These compliance working papers are essential for monitoring your financial institution’s compliance with federal consumer compliance laws and regulations.

Initial Price
ICBA Member: $599
Nonmember: $799

Annual Digital Renewal
ICBA Member: $399
Nonmember: $499

What is the difference between having satisfied customers or customers who are loyal? Examine industry surveys to explore the level of satisfaction that exists between financial institutions and the clients they serve.

A community bank’s core processor should be a strategic partner that supports the bank’s long-term business objectives.

The ICBA Core Processor Resource Guide will help community banks with some of the more important aspects of managing this relationship to maximize the return on their technology investments.

For many community banks, there is a total lack of liquidity in the ownership of shares. As a result, many stockholders who desire to sell their shares are unable to do so. Likewise, many boards and management fail to recognize the importance of finding ways to create liquidity through appropriately designed stock repurchase programs or other mechanisms. This session focuses on stockholder liquidity needs and how bank boards and management can address and resolve them.

Are you in the process of establishing your bank’s first ERM Program or seeking to streamline your existing one? You’re not alone. Risk Management is at the heart of banking and every bank has to have processes, policies, and procedures in place in order to assess and manage the risks on their balance sheet. Gain insight into the fundamental components of the ERM puzzle, their interrelationships, and how to integrate your ERM program into the bank’s Strategic Plan. Discover the components of a robust ERM program and how to assemble your own using existing components within your bank. Learn how you can make the process engaging and foster team cohesion as you collectively work toward protecting the bank assets while advancing its vision.

Are you creating your first ERM Program for your bank? Do you want to ensure your current program is complete yet keep it simple? If yes to either question this webinar is for you!

To properly assess the risks associated with loan repayment, we need to understand how the business has performed over the past several periods. This is called trending. The data needed for this process is several years of financial statements, also known as the borrower’s story about how they have managed their business activities.

The risks of a line of credit are not in the financial statements, but in the reasons for how the financial statements appear. We receive an excessive quantity of numbers in financial statements. However, it is actually the events that produce the numbers that contain the risks.

In assessing a line of credit loan request the banker must understand where the repayment is coming from. This requires identifying the cause of the cash shortfall as well as the characteristics of the self-liquidating asset that will repay the loan.

A term loan request requires multiple layers of analysis by the banker to properly assess the repayment viability of the borrower. It is more than just adherence to credit policy. Understanding that today’s loan is repaid with tomorrow’s cash is critical. This requires a keen recognition of how the self-liquidating asset should work.

Bankers are not order takers. We add value by solving our clients' problems. Fully analyzing the loan request and recognizing that each request starts with a cash shortfall is crucial.

Managing credit risk does not stop at closing, it is only beginning. By staying close to your client, inspecting what you expect and working to solve their problems, you will enhance the relationship.

Learn the framework for assessing and managing credit risk. Throughout this newly updated six-part series, we address financial statement analysis, qualitative analysis, cash flow, proper credit structure, and discuss best practices for managing the credit risk of your credit portfolio.

Over the past two years, the banking industry has been beset with issues related to funding sources as well as growth and quality issues in our lending portfolio. As funding sources become more costly and harder to find, we need to understand how our decisions will impact our banks’ assets. Dig into how funding sources influence our credit portfolio decisions, whether being asset sensitive or liability sensitive is the right direction, as well as what areas of lending will best suit your risk tolerance at this time. Plus, discuss how to reinforce your credit culture to maintain the credit risk level desired.

Rent rolls and cash flow are just the start in the risk of lending on commercial real estate. Whether it is owner occupied, investment or development, knowing what to look for will in terms of risk, will assist in avoiding headaches and losses in the future.

The 2022 Crowe Bank Compensation and Benefits Survey provides salary and bonus benchmarks for 271 job positions as well as information regarding employee benefits, incentives, director compensation, and current trends in key human capital management practices.

The COVID-19 pandemic significantly altered the banking ecosystem to promote safer, virtual options for their employees and clients. To manage the impact of reduced in-person interactions, many financial institutions expanded their use of electronic communication with their clients. These electronic operations are subject to regulatory scrutiny under the Electronic Signatures in Global and National Commerce Act (E-Sign Act). Discuss the specific requirements of the E-Sign Act, how to implement a compliant E-Sign program or identify gaps in your current program, and how to maintain compliance in an ever-changing environment.

Given the increasing popularity of credit card rewards programs, ICBA Bancard and TCM Bank, N.A., dove into the landscape to explore the latest trends, developments, and opportunities for community banks.

Cultivating the Strategic Value of Credit Card Rewards Programs looks at where community banks can grow their offerings to better support current and future customers and deepen their relationships in the process.

Designed to maintain an adequate methodology for complying with CECL. This policy cover the role of the Board and Management; an overview of the allowance for credit losses; the components of the primary allowance for credit loss and reporting and testing.

Customer interactions, previously limited to the telephone or in-person at a branch, are expanding to encompass all transactions, touch points, communications, and technologies that deliver service and information to customers. Organizations that excel at managing the entire customer journey will successfully capture more relationships with targeted generations and market segments.

Learn how to take a strategic approach to delivering your desired customer experience. Designed for middle and senior managers, the curriculum focuses on the importance of leading a culture that intentionally manages the desired customer experience. 

Learning Objectives: 

• Develop a strategic approach to delivering your desired customer experience. 

• Learn how to manage your customer’s entire journey.  

• Lead a culture that manages the desired customer experience. 

Duration: 60-minutes 

Employers are confronted with an increasing number of data protection challenges. This informative webinar dives into the various challenges organizations face when it comes to protecting data. We will address the latest trends and best practices in data protection. You’ll gain insight on how to navigate the evolving landscape of data regulations and ensure compliance.

Discover solutions to practical issues like camera placement, the necessity of monitors in break rooms, and the optimal timing for alarm activation during or after a bank robbery. Uncover the truth about commonly debated topics, such as the use of dummy cameras and the use of time locks. We will review the proper procedures that should be implemented with Cash Recyclers and security apps. This webinar aims to provide answers to questions you've likely encountered countless times. Join us for an engaging session that goes beyond the basics of security training!

Whether you’re a seasoned banking professional or are new to the banking industry, questions regarding deposit regulations always arise. From the frontline staff to the operations staff, it’s important to stay informed on consumer protection, funds availability requirements and the latest trends on e-sign. Review Reg. DD, Reg. CC, and E-Sign best practices. Plus, learn how to help your staff determine if your bank is meeting regulation requirements and determine the best course of action if not. You’ll gain valuable insights and best practices for optimizing your banking operations and ensure you’re in compliance.

There is often confusion as to how to develop a multi-year BCP testing program. Organizations are overwhelmed with putting a program in place. Using your Business Impact Analysis can define what the testing program should be without adding unnecessary complexity and negatively impacting efficiency.

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. 

Digital transformation often requires the assistance of outside vendors to achieve goals that lead to organization efficiency, increased revenue, and customer satisfaction. 

Challenges will likely arise during your bank’s digital transformation process. This final webinar of the series will address potential obstacles to progress, roadblocks or stumbling blocks for community banks, and proven problem-solving techniques community banks can use to overcome these challenges during their digital transformation journeys.

What does digital transformation look like at community banks? And how can it be leveraged for improved customer interactions and performance? It requires an exploration of how your customers interact with your bank and finding new and innovative solutions to improve their experience with your brand.

What is digital transformation? This session delves into integrating digital technology into all areas of the business, changing how a bank operates and delivers value to customers. 

Credit unions have fallen short in fulfilling the terms of their original mandate, which once warranted a lucrative tax subsidy. This sentiment is felt by many individuals and organizations across the financial services industry but has failed to reach Washington policymakers in the form of equitable policy resolutions that persuade credit unions to return to their governing principles.

Credit unions were not intended to act as an alternative to banks but to complement their activities through offering safe and subsidized financial services to a specific clientele of financially underserved individuals.

Instead, credit unions have deviated from this mandate by competing for the same customers as regular for-profit banks at the expense of these vulnerable communities while engaging in high-risk operating practices that have etched away at their once distinctive niche in the world of financial services.

If credit unions cannot abide by their original mandate deserving of a tax subsidy, then taxpayers are financing an unequal playing field that leaves behind the financially underserved, cheats federal and state tax authorities, and unfairly disadvantages legitimate for-profit institutions like community banks.

Domestic abuse is not a crime that can  be ignored by the victim’s employer. Employers must recognize that personal, real-life problems affect job performance and job performance affects the bottom line. Nearly 1/3 of women in this country claim to have been the victims of physical or sexual abuse. 

Further Details will be available 30 days prior to the Webinar Date.

Recorded on June 11, 2024.

Nearly every sales, marketing, or promotion idea in banking today is influenced by emerging technologies and regulatory compliance. This places specific demands on how advertising, promotions, and relationship development activities are deployed by financial institutions. 

Strategic planning is an essential aspect of every community bank’s operations. Its importance becomes more apparent when community banks face challenges such as the lingering impact of the COVID-19 pandemic and present economic struggles.

Elder Fraud is projected to be  one of the biggest growing segments of crime in our country! Criminals know who to target and have found ways to get close to control and exploit their victims. Learn how your bank can serve as the last line of defense to protect the criminals’ target, your account holders!   

Understanding the industry that you work in is crucial to recognizing your role and purpose. Banking is an occupation that has existed since the earliest part of history. While technology has changed, the essentials of what we do have not. Explore the fundamentals of the banking industry, its historical evolution, and the various types of banks and their respective roles. Participants analyze bank financial statements to uncover the interplay between funding sources and their utilization, gaining valuable insights into the operational dynamics of your bank. Broaden your perspective on the functioning of the banking system in the United States and understand how your bank fits into the larger picture. Whether you're new to banking or an experienced professional seeking to deepen your industry knowledge, your participation will enhance your awareness and appreciation of the banking sector.

Learning Objectives:

• Explore the historical evolution of banking.
• Gain knowledge of how the banking system in the United States functions.
• Learn about the various types of banks.

Duration: 60-minutes

Recorded on Jan. 18, 2024

It is common knowledge that customer service and sales representatives are responsible for building relationships with customers. But why stop there?

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.

This webinar answers common questions such as: What is Fair Banking? Is it the same as Fair Lending? What does it have to do with Marketing? Learn more about Fair Banking or what some call “Fair and Responsible Banking.”

The Act was originally adopted as part of the Civil Rights Act of 1968, and it was subsequently broadened in 1988 to prohibit discrimination when renting or buying a home, acquiring a mortgage, seeking housing assistance or engaging in other housing-related activities, regardless of a person’s protected class.

This course will discuss the prohibitions under the Fair Housing Act as it relates to credit applications, disclosure and information collection requirements that bank must follow, and enforcement of the laws.

The fair lending laws prohibit discrimination in all credit transactions including real estate and non-real estate secured transactions as well as unsecured credit.

The Fair Credit Reporting Act (FCRA) became effective on April 25, 1971. The FCRA contains responsibilities both for entities that are consumer reporting agencies, for entities that procure and use information found in consumer reports and furnishers and transmitters of information.

Congress substantively amended the FCRA upon the passage of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act). The FACT Act created many new responsibilities for consumer reporting agencies and users of consumer reports. It contained many new consumer disclosure requirements as well as provisions to address identity theft.

The FedNow Service is a new instant payment service from Federal Reserve that will enable financial institutions of every size, and in every community across the U.S., to provide safe and efficient instant payment services in real time, around the clock, every day of the year.

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 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 mandatory bank compliance by January 1, 2026.

Learn what is required for large banks under the final rule including the Retail Lending Test, the Retail Services and Products Test, the Community Development Financing Metric Test and the Community Development Services Test.

Learning Objectives:

• Understand the key evaluations, important dates, and definition of a large bank.

• Learn about the requirements of the Retail Lending Assessment Areas.

• Examine the New Retail Services and Products Test.

• Study the community development financing calculation.

• Analyze the new Community Development Services Test.

Duration: 60-minutes

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.

Attend to understand what is required for small banks under the final rule, the optional "Retail Lending Test" and the optional submission of Community Development activities.

Learning Objectives:

• Understand the key evaluations, important dates, and definition of a small bank.

• Learn about the requirements of the optional Retail Lending Assessment Areas.

• Learn about the new and optional submission of the Community Development activities.

Duration: 60-minutes

Financial crimes threaten the safety and soundness of our community banks nation-wide. In some cases, these crimes threaten the security and safety of the nation. Recorded July 13, 2022

Financial crimes threaten the safety and soundness of our community banks nation-wide. In some cases, these crimes threaten the security and safety of the nation. Recorded July 13, 2022

Financial crimes threaten the safety and soundness of our community banks nation-wide. In some cases, these crimes threaten the security and safety of the nation. Recorded July 28, 2022

Approximately 6 percent of Americans are unbanked,1 having no relationship with a bank, and an additional 16 percent are underbanked having used some form of alternative financial service. In this white paper we'll discuss how community banks can close the gap between consumers and the services they need.

Topics covered: Crime Statistics, Working from Home Safeguards, Working from the Office Issues, New Banking Environment, COVID Fraud Developments, Risk & Vulnerability Assessments, Physical Security Assessments. Recorded April 27, 2022.

Community banks are, and always have been, innovators focused on the prosperity of the customers and local communities they serve. Community banks are not strangers to change. For more than 150 years, community banks have evolved in step with the technological changes occurring within the financial services industry

With customer preferences changing at an expeditious rate and expectations from users for a seamless omni-channel experience on the rise, disruption is occurring within numerous industries including financial services. The latest wave of rapid transformation is bringing financial technology or fintech to the forefront of the financial services conversation.

One thing that the rapid pace in banking has revealed is that the ability to change and adapt is a mandatory quality. Amid change it is also important to understand that your underlying foundations make it possible for workgroups, teams, and employees to perform effectively while embracing emerging challenges and opportunities.

The farm bill plays an important role in stabilizing our nation’s farmers and ranchers, assisting many rural communities, and meeting the nutritional needs of millions of lower-income Americans. Thousands of community banks and their agricultural and rural customers are also significantly affected by farm bill policies. This white paper outlines important policies and solutions to ensure the new farm bill allows community banks to continue meeting the needs of farmers, ranchers and others in rural America.

Dealing with the big three check issues (forgeries, alterations, and counterfeit checks) can prove to be the most challenging situation a financial institution can encounter. These issues have a very narrow return window and no adjustment options. Does your financial institution understand your obligations and options when it comes to handling these complicated situations? Discover how to handle these challenging situations.

It's clear a different set of dynamics are in play from the recent past as we approach year-end. Between market losses on the bond portfolio, uncertainty about deposit availability and margin compression, bankers are thinking about strategies for the fourth quarter. We will discuss some popular plays run by community banks in 2022, with an eye toward improving future periods. Recorded Oct. 13, 2022.

IT Security is a serious concern for every business. As the value of customer and internal data increases, so do the number of threats in existence. This course describes the fundamentals of information technology security and what your organization has to do to stay protected today and in the future. This course is intended for information security officers and departments.

The National Labor Relations Board’s renewed interest in employee handbooks and related policies requires employers to be more vigilant than ever.  In this program, we will examine core policies that all institutions should include in their employee manuals, as well as those that may raise a red flag and approaches to avoid potential liability.

Establishes internal procedures that result in the proper recording of loan information, submission, and proper disclosures to the public.

The Home Mortgage Disclosure Act (HMDA) requires certain financial institutions to collect, report, and disclosure information about their mortgage lending activity. HMDA was originally enacted by the Congress in 1975 and is implemented by Regulation C.

The Regulation was overhauled in 2015, requiring a large of amount of additional data to be collected and reported. This course will provide you with the detailed information you need to ensure your Financial Institution is in full compliance with HMDA including, definitions, coverage, data collection and reporting, and disclosure requirements.

The Home Mortgage Disclosure Act (HMDA) requires certain financial institutions to collect, report, and disclosure information about their mortgage lending activity. HMDA was originally enacted by the Congress in 1975 and is implemented by Regulation C.

The Regulation was overhauled in 2015, requiring a large of amount of additional data to be collected and reported. The course provides learners with an overview of the entire Home Mortgage Disclosure Act with an in-depth look at loan application applicability and applicant information collection.

Financial institutions rely heavily on third-party relationships to gain efficiency, reduce operational costs, and to meet the evolving technology needs of customers. While third-party relationships are often beneficial, there are risks created by the relationships that need to be identified, assessed, and managed. Discuss the fundamental elements of due diligence and ongoing monitoring based on the Interagency Guidance on Third-Party Relationships issued in June 2023. And learn the importance of SOC reports in achieving monitoring requirements and how to properly digest the information in these reports to avoid common issues identified during audits of third-party risk management programs.

HR Generalists are an integral part of the human resources function in an organization. This comprehensive eight-part, online certificate program is designed to provide human resource managers and supervisors with the skills they need to be effective.

$499 / ICBA Members

$899 / Non-Members

HR Generalists are an integral part of the human resources function in an organization. This comprehensive eight-part, online certificate program is designed to provide human resource managers and supervisors with the skills they need to be effective with an emphasis on California State law.

$499 / ICBA Members

$899 / Non-Members

When you need specific information about HSAs, the Health Savings Account Compliance & Operations Manual has it. As with IRAs, HSAs require strict adherence to IRS regulations. This manual gives clear explanations on HSA eligibility, document, contribution, distribution, and reporting requirements. Use it to stay in compliance and avoid potential penalties and HSA disqualification. This manual is in digital format. 

The answers are right at your fingertips when you have the Desktop Guide to Health Savings Accounts. The basics of HSAs are covered in an easy-to-read, question-and-answer format. As HSA rules continue to evolve and changes occur each year, reach for this handy digital booklet to give your clients the right information every time. This guide is in digital format.

This comprehensive toolkit includes everything you need to deliver customized, basic HSA training.

ICBA Member - $472.50

Non-Member - $525.00

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.

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

In September 2008, the Federal Housing Finance Agency (FHFA) and the Treasury Department placed Fannie Mae and Freddie Mac (the government-sponsored enterprises, or GSEs) into conservatorship. Described at the time to the public as a temporary “time out” to allow both companies to stabilize, the plan of those policymakers who put the GSEs into conservatorship was to release both institutions from this “time out” once they were financially sound again. More than eight years have passed, and a third administration has inherited these conservatorships.

Unfortunately, Fannie Mae and Freddie Mac have less capital today than when they were placed under control of their regulator and the Treasury. Yet, both companies have returned to profitability and have worked through the majority of their defaulted loans, all while continuing to provide the liquidity to the housing market that’s been critical for its recovery from the worst recession in more than 80 years

Ultimately, tax and regulatory reform will determine the character of American economic life in future generations. A tax and regulatory system that promotes consolidation, implicitly or explicitly, not only in the financial industry but also across the economy, will result in fewer and larger businesses, less consumer choice and commodified product offerings. Local businesses, decision making and values will continue to be displaced by nationally-owned corporations that are remote from individual communities.

Commerce based on one-off transactions will displace relationship-based partnerships. Tax reform, accomplished thoughtfully and in conjunction with regulatory reform, could help to thwart these trends and preserve and strengthen local businesses and communities

Join us for this fast, fun, informative session to explore fintech solutions for community banks like yours. Each Accelerator selection process we connect with several fintech companies that have great products and solutions but due to our highly competitive program only a limited number can participate.

ICBA Members and Nonmembers: Complimentary

For more information, contact [email protected].

Hear from several ag tech solutions providers during this quick-hitting, 2-hour session to learn how they can help your bank keep pace with the competition. See five-minute pitches with five minutes of Q&A from our esteemed banker panel as they help distill the value these partners can bring to your bank.

ICBA Members: Free to ICBA Members

Faster payments are happening. Don’t get left behind. Hear from several faster payment solutions during this quick-hitting, 90-minute session to learn how they can help your bank keep pace with the competition.

ICBA Members: Free to ICBA Members

Hear from several fraud solutions providers during this quick-hitting session to learn how they can help your bank keep pace with the competition.

ICBA Members:Complimentary

Non members: $99

Your guide to fair lending and redlining scrutiny. It provides a high-level overview of the types of discrimination claims that a bank can face.In addition provides a more detailed treatment of redlining and what your bank can do to protect itself from redlining violations.

Every company, regardless of industry, is trying to figure out how to attract and retain the right talent. Organizations are also striving to achieve their goals and fulfill the vision described in their strategic plan. But how do you achieve all — attracting and retaining talent while achieving your objectives and fulfilling your vision?

Presenting before your credit committee does not have to be a daunting task. All strong credit committee presentations begin with a comprehensive write-up. You need to understand the reason for the borrower's cash shortfall, the self-liquidating asset that will repay the financing, as well as the risks that are central to the repayment capability.

No credit committee wants to read an epic non-fiction piece of work. The key to effective credit write ups is to focus on the core key risks of the credit. Each credit request begins with a problem: the borrower has a cash shortfall. As a banker your role is to uncover the source of the cash shortfall and understand the characteristics of how the self-liquidating asset will repay the debt. 

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

ICBA urges Congress to pass an amendment to the Bank Holding Company Act of 1956 to permanently close the ILC loophole, just as Congress has closed past banking loopholes that threatened to undermine consolidated supervision and the separation of banking and commerce

Recent Federal Reserve testimony to Congress focused on the “I” word: Inflation. It clearly is on the minds of consumers, producers, policy makers, investors, and economists. But how does it affect community banks?

In this 90-minute webinar, you will learn how to switch perspectives from having a Business Continuity Plan to an ongoing Business Continuity Management (BCM) system and how to integrate it into your Enterprise Risk Management (ERM) Program. Recorded July 28, 2022.

Learn how to switch from having a static Business Continuity Plan (BCP) to an ongoing dynamic Business Continuity Management (BCM) system and how to integrate it into your Enterprise Risk Management (ERM) Program. 

Major topics covered in the policy:

• Risk measurement methodologies
• Interest rate risk scenarios - rate shocks, risk components
• Risk parameters
• System maintenance - inputs and assumptions, system capabilities
• Assumption sensitivity analysis
• Risk management strategies
• Assignment of responsibilities
• Reporting
• Independent review and back-testing

How prepared is your financial institution for internal theft and fraud? Review what every Security Officer should know to combat internal fraud. Discover where the internal thief will spend the stolen funds and how they keep their stealing from being found. 

Commercial lending is one of the most challenging aspects of banking. You must have a good understanding of your borrower, the reason for the financing request, as well as how to accurately assess the repayment source. Explore various industries that you will work with, sources of cash shortfall, analyzing financial statements, using the right structure, negotiations as well as after closing monitoring. 

When you need specific information about IRAs, the Individual Retirement Account Compliance & Operations Manual has it. IRAs require strict adherence to IRS regulations. This manual gives clear explanations on IRA eligibility, document, contribution, distribution, and reporting requirements. Use it to stay in compliance and avoid potential penalties and IRA disqualification. This manual is in digital format.

To prepare for the often-hectic IRA contribution season, deepen your understanding of Traditional and Roth IRA contribution issues such as deadlines, limits, possible tax credits, certain extensions, and Traditional IRA deductibility rules.

Learning Objectives:

• Identify how you can prepare for IRA contribution season.

• Learn about Traditional and Roth IRA contributions issues and how to avoid them.

• Understand contribution deadlines, limits, tax credits, extensions, and deductibility rules.

Understanding the complex withholding and reporting requirements applicable to Traditional and Roth IRA distributions is critical to maintaining a compliant IRA program. From federal tax implications, including how the early distribution penalty tax applies to IRA owners, to how IRA distributions are paid out, our experts provide the know-how to get you there.

Learning Objectives:

• Understand the withholding and reporting requirements applicable to Traditional and Roth IRAs.

• Examine Traditional and Roth IRA distributions.

• Learn about early distribution penalty tax and how distributions are paid out.

Duration: 60-minutes

Refer to the IRA Fact Book when you need concise answers to some of the more common questions and topics you and your colleagues field from clients on a day-to-day basis. Organized in a user-friendly, question-and-answer format, this is one digital book you won’t want to do without. This book is in digital format.

New to IRAs? Prepare to build a foundation of the most common IRA transactions and rules. Learn the fundamentals of Traditional and Roth IRAs from contributions and distributions to portability—including the rules associated with rollovers between employer plans and IRAs.

Given the constantly evolving IRA reporting requirements, it is crucial for your financial organization to remain current on the latest mandates. Conduct a comprehensive examination of essential IRA reporting topics including required minimum distribution statements, fair market value statements, account statements, and IRS Forms 1099-R and 5498. Additionally, participants will scrutinize electronic reporting requirements, beneficiary reporting requirements, procedures for requesting extensions, and IRS penalties for improper reporting.

Learning Objectives:

• Identify the vital IRA requirements your institution must comply with.

• Learn about the latest IRA reporting requirements.

• Understand the reporting topics on required minimum distribution statements, fair market value statements, accounts statements, and IRS forms.

Duration: 60-minutes

This comprehensive toolkit includes everything you need to deliver customized, basic IRA training.

Retirement plan portability is one of the most popular topics fielded on our consulting lines. Attending this course will help ensure that you are handling these transactions properly. You will learn the difference between transfers and rollovers, and direct and indirect rollovers, as well as acquire an understanding of Roth retirement plan assets and portability with Roth IRAs.

Learning Objectives:

• Learn the differences between transfers and rollovers.

• Understand Roth retirement plan assets and portability with Roth IRAs.

• Ensure you are handling the IRA transfer and rollover transactions correctly.

Duration: 60 minutes

For the first time in about 20 years, due to the SECURE Act, the IRS is requiring all IRAs to be amended. The last time an amendment was required was in 2002, and also possibly in 2007 and 2010 for financial organizations using prototype documents.

Ascensus conducts countless compliance audits for financial organizations across the U.S., oftentimes finding issues that could result in substantial IRS penalties due to non-compliance with IRS requirements. Discover the most common “points of failure” that auditors have found, and which aspects of your IRA program you may find are out of compliance. Participants review compliance concerns and acquire helpful checklists to manage the compliance process and avoid common pitfalls that may end up costing thousands of dollars in IRS penalties.

Unidentified risk is unmitigated risk. There are diverse risks embedded in your everyday payment channels and you must understand the types of risk your organization confronts to better protect your bank. Explore best practices for effectively controlling risks and enhance your risk management strategy with valuable knowledge.

Learning Objectives:

• Learn about the various types of risk in payment channels.

• Understand how payments risks can affect your organization.

• Develop best practices for controlling risks.

Duration: 90-minutes

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.

This course explores the e-mail fraud schemes known collectively as Business E-mail Compromise (BEC). In a BEC attack, cyberthieves compromise a corporate e-mail account and impersonate the e-mail account’s owner to deceive the company, its customers, partners and/or employees into sending money or sensitive data to the cyberthieves’ account. Some BEC attacks are intended to extract money and others are targeting sensitive information such as tax statements and personally identifiable information (PII). 

This course is designed for all employees who use computers and other devices to access their organizations’ systems. Learn about the main ways that cybercriminals use people to compromise systems, and what we can all do to avoid becoming victims.

This course explores the threats to security on smartphones. Smartphones are fully functional computers as well as communication devices. As such, they are subject to the same types of IT security threats as computers, as well as more specific threats. Learn to recognize threats, configure your smartphone to mitigate the risks and use your smartphone in a secure way.

This course explores the importance of having strong passwords, how and why hackers access accounts and systems, the consequences of these security breaches as well as both good and bad password security practices.

Cyberthieves use victims’ personal information to steal their money and identities. They attack victims’ computers and other devices with malware attacks. Learn what phishing is, the various ways cyberthieves try to exploit our computer systems and personal information, the types of damage they can cause, and the ways to reduce the likelihood of being “phished”.

This course explores what ransomware is, how cyberthieves attack systems with ransomware, what IT Departments and employees can do to reduce the likelihood of ransomware attacks, and what IT Departments and other employees should do in the event of a ransomware attack.

This course explores the threats to your security and privacy, and threats to your organization. Learn how to mitigate these threats with software settings and updates, as well as best practices for safe web browsing.

This course examines the IT security risks associated with remote work. Learn to keep your computer, devices and home network secure, use public networks safely, and recognize phishing and targeted phishing attempts.

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

With every loan request comes a plethora of numbers: financial statements, taxes, and various schedules. All this information, can cause many deals to quickly languish due to analysis paralysis.  

ICBA has been working diligently in addressing federal regulator positions on deposit fees such as re-presentment fees, overdraft fees, and non-sufficient funds fees. But while we vigorously advocate at the federal level, community banks have been the subject of fee related lawsuits initiated in states across the country. Join us to hear insights from attorneys who have worked with and defended community banks against these claims.

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

ICBA Member - $310.50

Non-Member - $345.00

Recorded April 12, 2022

During this 60 minute webinar, your presenter, Doc Bodine from Gerrish Smith Tuck,  will review regulatory expectations for community bank directors with regard to the regulatory knowledge they are expected to have, plus strategies and approaches to achieve regulatory compliance.  

In today’s fast-paced merger and acquisition environment, it’s best to be on your “A” game to prepare for nuances we haven’t seen in the past. This upbeat webinar covers common mistakes that both buyers and sellers make—specifically in community bank M&A transactions, as distinguished from big bank transactions. Recorded May 4, 2022

Many community bank common stocks do not have true market liquidity, which is the ability of the shareholder to convert their shares to cash at a fair price in a timely manner.

Many institutions invested heavily in developing and implementing a new, compliant reserve methodology. These new models are more complex than their predecessors by not only having more quantitative calculations and assumptions, but also requiring more education and oversight by management.

Every bank has three essential assets they should be managing. Like any asset within the organization, proactive management of each asset generates superior results. Among these essential assets we find a mix of employees, relationships, and the bank’s trade area reputation: all the ingredients necessary to attract and retain customers. 

From remote work policies to higher salaries and demands for social justice work, the workplace has radically evolved since the pandemic. Join Jackson Lewis P.C. attorneys for a discussion on why employees are leaving their jobs, what employers can do to recruit and retain talent, and how to plan for potential RIFs.

Customer journey mapping has entered the management process at institutions actively managing their customers’ experiences. However, mapping a journey is only part of the challenge.

Continuing education is top of mind in today’s corporate world. Professionals must learn how to succeed as both a mentor and mentee. Discover how the opportunity to be both can help you grow in your career and personal life. Participants will be able to identify what type of mentor they need during this time in their careers, how to choose the right mentor, and how to be a successful mentor and mentee. Walk away inspired and encouraged to change someone’s life by mentoring them and also encouraged to seek the ideal mentor for you.

Learning Objectives

• Explore the concepts of mentor, mentoring, and mentee

• Discover the differences between coaching, mentoring, counseling, and consulting

• Learn the traits of successful mentors and how to find the right mentor for you

• Find the keys to becoming a successful mentor

• Gain knowledge in reverse mentoring

• Examine the traits of a successful mentee

Duration: 90-minutes

The Military Lending Act was originally enacted in 2006 and is implemented by the Department of Defense. It protects active-duty members of the military, their spouses, and dependents from certain lending practices.

These practices could pose a risk for service members and their families, a threat to military readiness and affect service member retention. This course will provide details on definitions, applicability, procedures and the laws regarding the Military Lending Act.

Discover the key to unlocking the benefits of the Mission Driven Bank Fund, a $500 million private capital investment vehicle established to support FDIC insured MDIs and CDFIs. The fund offers tailored and flexible growth capital through various financial instruments based on your bank’s needs and structure. It also offers technical services to help build organizational capacity. Additionally, it will monitor, measure, and report the impact your mission-driven bank has in the communities you serve.

ICBA Members: $0
Unlimited Webinar Pass subscription: $0

In today’s world, it is imperative that financial institutions, law enforcement, and our government work together to combat and prevent financial crime, money laundering, and terrorist financing. Community bankers are committed to supporting balanced, effective measures that will prevent terrorists from using the financial system to fund their operations and prevent money launderers from hiding the proceeds of criminal activities.

However, anti-money laundering/combatting the financing of terrorism and Bank Secrecy Act compliance programs consume a growing share of community banks’ scarce resources.

Creative thinking can provide financial institutions with highly effective marketing solutions on a controlled budget. Study successful marketing programs implemented by community banks when limited promotion budgets were a key factor. Identify marketing program objectives and how banks implement each strategy with easy-to-read materials as you progress through this three-part program.

Due to the soaring frequency and magnitude of data breaches, the fast-evolving patchwork of data protection laws, the rise in employer use of electronic monitoring solutions, and the rapid integration of tools that utilize AI, getting a handle on what employee information you have and how you’re using it is critical to managing this exploding area of risk.

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.

Discover negotiation strategies that will lead to success and influence in your job. These skills can easily transfer to other areas of your life. Learn how to strategically ask for what you want; prioritize what you want before asking; be clear as to why you want/need what you are asking for; and successfully close a negotiation. 

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. Get an overview of the current community banking environment and discuss key strategic considerations for operational and corporate decision making at the bank and holding company level for the coming year.

Learning Objectives:

• Examine the current community bank environment.
• Learn key considerations for operational and corporate decision making at the bank and holding company level.
• Discuss opportunities for community banks.

Duration: 60-minutes

While the RTP® network from The Clearing House has been live for 4 years, most community banks are either just starting, or preparing to start their instant payments journey. Recorded Nov. 2, 2021.

Increasing adoption/volume/use cases on the RTP network, the upcoming launch of the FedNow℠ Service, and customer demand are all fueling the need for community banks to ensure they have a plan and roadmap for implementing instant payments. Recorded Nov. 2-17, 2021.

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. 

Some of the most common questions the Macha office receives pertain to issues with consumer person-to-person (P2P) transfers via the ACH Network. These problems can include fraud, incorrect account numbers, and buyer’s remorse, all of which can result in financial losses for your organization. Learn about the unique features of P2P transfers via the ACH network and discover how to avoid or address issues as they arise.

Learning Objectives:

• Examine P2P transfers via the ACH Network.

• Learn about the most common P2P problems.

• Discover how to resolve P2P problems.

Duration: 90-minutes

To a customer, customer service representatives are the first and most visible representatives of a bank. 

Navigating tax returns has never been enjoyable. The complexity of the various forms, the flow of information, as well as the size of many borrowers' returns can be intimidating. This webinar will assist you in understanding the core information you need to accurately assess the cash income of your borrower. 

The ACH Operating Rules require all participating DFIs, Third-Party Senders and Nested Third-Party Senders to conduct an assessment of the risks of their ACH activities. But “how,” is not specified. Review risk assessment best practices and learn how to maintain compliance with the requirements of your primary regulators.

Leaders are frequently tasked with public speaking engagements and need confidence and skills effectively deliver presentations. Whether you are presenting to your peers, to senior management, or to the Board of Directors, this practical course will help you increase your level of confidence from the preparation stage through your delivery time with your audience.

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

The Principles of Banking Certificate Program offers a comprehensive look at the banking industry. This certificate is ideal for employees new to banking and those looking to enrich their understanding of how a bank is structured, operates financially, serves its customers and community and stays safe and compliant.

The Principles of Banking Certificate Program offers a comprehensive look at the banking industry. This certificate is ideal for employees new to banking and those looking to enrich their understanding of how a bank is structured, operates financially, serves its customers and community and stays safe and compliant.

$499 / ICBA Members

$999 / Non-Members

The banking industry can be quite complex. It is important bankers understand the industry as a whole. This course will provide an overview of the banking industry. It will discuss how a bank is structured, how it operates financially, the rules the bank must follow, various products and services the bank may offer to its customers, security and fraud, and the various examinations that banks must participate.

Help employees explore careers and position them for growth at your community bank with ICBA Education’s Professional Development Planner.

The Professional Development Planner offers a detailed overview of more than 80 community bank job functions and assists employees in exploring and shaping their careers by outlining the experience, skills, and competencies needed to achieve their professional goals.

ICBA Member - $499
Non-Member - $2,499

$399 first year introductory offer for ICBA Members who subscribe prior to April 30, 2024

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.

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.

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.

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.

Provides guidance for lenders on the requirements of this regulation as well as prescreening, the interview and application process, credit evaluation, action notifications, signature policy, and credit reporting.

The primary purpose of the Truth-in-Savings Act is to give consumers enough information to make an informed decision about deposit accounts they want to open at the bank via standardized disclosures.

The disclosures aid comparison shopping by informing consumers about the fees, annual percentage yield, interest rate, and other terms for deposit accounts. The regulation also includes requirements on the payment of interest, the methods of calculating the balance on which interest is paid, the calculation of the annual-percentage yield, and advertising. This course provides details on all of the Regulation DD requirements.

The primary purpose of the Truth-in-Savings Act is to give consumers enough information to make an informed decision about deposit accounts they want to open at the bank via standardized disclosures.

The disclosures aid comparison shopping by informing consumers about the fees, annual percentage yield, interest rate, and other terms for deposit accounts. The regulation also includes requirements on the payment of interest, the methods of calculating the balance on which interest is paid, the calculation of the annual-percentage yield, and advertising.

Peer-2-peer electronic funds transfer apps, such as Zelle and Venmo, were already gaining in popularity before the COVID-19 pandemic. Due to social distancing measures required by COVID-19, usage of these apps exploded exponentially, creating opportunities for bad actors to defraud consumers.

Regulation E provides basic protections for a consumer when using an electronic fund transfer service that the bank offers. Liability and error resolution are essential to the consumer protections of Regulation E and unauthorized transactions.

The regulation defines an error; states the consumers liability; and provides the error resolution procedures that banks must follow.

Regulation E protects consumers from unauthorized electronic funds transfers (EFTs). The regulation establishes the rights and liabilities of consumers and financial institutions regarding these unauthorized EFTs.

This suite of policies includes Lending Advertising Policy, Closed-End Consumer Non-Real Estate Loans Policy, Consumer Closed-end Real Estate Loan Policy, HELOC and Other Open End Products Policy, Consumer Credit Card Policy, and Appendix.

Now more than ever, financial institutions must consider the risk of change. Regulatory changes, system conversions, new products and services, and corrective action for audit findings are just a few examples of situations that will frequently impact your organization.

Recorded March 7, 2023. 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. Hear insightful analysis and commentary from our team of educators, submit questions, and participate in discussions on current regulatory topics. These webinars are designed for community bank compliance officers and risk managers but are also appropriate for all bank employees who need to stay informed on changes in the compliance world.  

Recorded June 1, 2023. 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. Hear insightful analysis and commentary from our team of educators, submit questions, and participate in discussions on current regulatory topics. These webinars are designed for community bank compliance officers and risk managers but are also appropriate for all bank employees who need to stay informed on changes in the compliance world.  

Recorded Sept 7, 2023. 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. Hear insightful analysis and commentary from our team of educators, submit questions, and participate in discussions on current regulatory topics. These webinars are designed for community bank compliance officers and risk managers but are also appropriate for all bank employees who need to stay informed on changes in the compliance world.  

Recorded December 5, 2023. 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. Hear insightful analysis and commentary from our team of educators, submit questions, and participate in discussions on current regulatory topics. These webinars are designed for community bank compliance officers and risk managers but are also appropriate for all bank employees who need to stay informed on changes in the compliance world.  

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 2022 and some predictions on what might be in store for 2023. Topics that will be covered include CRA reform, digital assets, rising interest rates, turnover at the regulatory agencies, sanctions, and bank partnerships.

Learning Objectives:

• Outline the bank regulatory and supervisory highlights from 2022.

• Predict what’s in store for 2023 on topics such as CRA Reform, and rising interest rates.
  

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.

Learning Objectives:

• Outline the bank regulatory and supervisory highlights from 2023.

• Identify the priorities of regulators in 2024.

Duration: 60-minutes

The Real Estate Settlement Procedures Act section 1024.14 & 1024.15, also known as “Section 8” prohibits certain payments and business arrangement. Section 1024.14 prohibits the paying or receiving of referral fees for mortgage loans and allows lenders to receive compensation only for services actually performed.

The law does allow banks to pay its own employee for loan referrals. Section 1024.15 sets requirements on affiliated business arrangements.

The Right to Financial Privacy Act of 1978 provides customers of financial institutions with a reasonable amount of privacy for their financial records from the federal government. The Act includes rules about the process federal government authorities must follow and compliance requirements for banks responding to and keeping records of the requests.

Banks are entrusted with customers’ personal data and must safeguard this data from being released in error or without authority. This course will discuss the documentation that the federal authorities must provide to banks when requesting financial information and the requirements of banks to respond.

Your financial institution can unknowingly be making itself an easier target for robbers!  In this session, we review the steps and procedures financial institutions should enact to help protect staff and the public.  Learn how robbers case your institution, the specific steps you can take to reduce your chances of robbery, and actions not to take that may exacerbate the situation. 

This program cover all the necessary steps your staff needs to sustain a safe workplace in your financial institution. Protect your people, prevent vulnerability, and reassure your customers that their money is safe.

Learning Objectives:

• Understand the procedures you should enact to help protect staff and the public.

• Understand what not to do in the case of a robbery.

• Learn how robbers are preparing for the robbery.
  

SECURE 2.0 contains significant changes for retirement plans, plan sponsors, and retirement plan providers. Review key provisions, identify what’s most relevant to your financial institution, and discover optimal timing of when your organization should be ready for change.

The Servicemember Civil Relief Act (SCRA) provides relief provisions for both consumer and business credit that was extended to servicemembers prior to going on active duty.

The protections include a reduced interest rate on certain loans, protection against foreclosure, protections from default judgements in civil lawsuits, protections against repossession of property, and the ability to terminate a lease without penalty.

This course explores what social engineering is, the types of social engineering attacks criminals use and the techniques they use to manipulate people into performing actions that either compromise their computers and devices or expose personal or sensitive information. Learn to recognize social engineering attempts and ways to avoid becoming a victim.

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. However, within these challenges lie unprecedented opportunities. It is imperative for every financial institution to develop an adaptive, dynamic strategic plan, a living document that breathes and evolves, ensuring not just survival but thriving and growth in this ever-changing landscape.

This program delves into essential considerations for institutions seeking to refine or establish a comprehensive strategy. Whether your organization lacks a cohesive plan or aims to review existing strategies, you'll discover answers to critical questions. Gain valuable insights into strategic planning and alignment within your institution, encompassing everything from the aesthetics of your lobby to the digital signature on your emails. Additionally, examine the importance of ensuring that employees not only understand but can articulate this vision. A crucial aspect of the discussion will be identifying and understanding the unique risks your institution faces and assessing whether you have the right people in the right positions to bring your institution's vision to fruition.

Participate in this session to enhance your institutional strategy with innovative tools and concepts. Learn to integrate Enterprise Risk Management and Talent Management Programs into your Strategic Plan, ensuring a holistic approach to organizational development. Gain insights into preventing your Strategic Plan from becoming dormant and implementing four key growth strategies for sustained success.

Learning Objectives:

• Learn the importance of a clearly defined strategic plan structure.

• Identify key components common to successful strategies.

• Understand the role of enterprise risk mitigation and management in an institution’s strategic plan.

• Identify and implement four key growth strategies.

• Establish best practices with board governance.

• Develop and manage the strategic planning and implementation process in your institution.

• Conduct a Strategic Risk Assessment for New Initiatives.

Duration: 90-minutes

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 ever-changing in today’s economic and regulatory landscape. We will cover 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.

Every company, regardless of industry, is trying to figure out how to attract and retain the right talent. Organizations are also striving to achieve their goals and fulfill the vision described in their strategic plan. But how do you achieve all — attracting and retaining talent while achieving your objectives and fulfilling your vision?

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

In recent years, supply chains have become more efficient by automating many of the tasks and processes that were previously performed manually. The more that companies’ processes are automated and the more supply chain partners’ computer systems are connected to exchange data, the more potential there is for cyberattacks. Every partner’s network in a supply chain is only as secure as the “weakest link in the chain”, and the software used by the connected networks is itself a security concern. In this course, we will explore the risks and the ways to reduce them.

This program cover all the necessary steps your staff needs to sustain a safe workplace in your financial institution. Protect your people, prevent vulnerability, and reassure your customers that their money is safe.

This course explores how fraudsters create synthetic identities and use them to get credit cards and other forms of credit. Learn how synthetic identities are created, how fraudsters use them to get a positive credit score, then “bust out”, or max out the credit on cards, lines of credit etc. Learn to recognize red flags indicating that a credit applicant may be using a synthetic identity.

If your organization has become a bit complacent and resistant to change, maybe now is the perfect time to reenergize and reinvigorate your culture with the spark of entrepreneurialism. This executive briefing is designed to help bank leaders recognize the many opportunities that exist today for organizational improvement and innovation, inspiring employees to think and behave more like owners so your bank can truly own and control its destiny.

Global cash flow analysis is a growing requirement in the commercial lending segment.  The hardest part of accurately calculating a borrower’s cash flow is the assessment of the tax returns.

Building an accurate income assessment of a multiple entity borrower has always been challenging. Determining the cash generated by individual businesses while also understanding the condition of each borrower's holdings can be a struggle even with complete information.

The ICBA Teller Specialist Certificate Program equips today’s bank teller with the knowledge and tools needed to meet the demanding requirements of the frontline banking environment.

The Teller Specialist Certificate Program equips today’s bank teller with the knowledge and tools needed to meet the demanding requirements of the frontline banking environment. This certificate programs consists of four critical learning areas, each designed to maximize the learner’s ability to perform the teller function.

$199 / ICBA Members

$399 / Non-Members

Prepare employees and managers to respond appropriately to an active shooter incident. Review concepts endorsed by the U.S. Department of Homeland Security and learn what to expect when law enforcement responds.

Setting exposure limits for your ACH Originators is a requirement of the Nacha Rules. However, there are no set guidelines on how this task should be accomplished. Explore the art, not science, of effectively setting limits for your ACH originators.

Delve into the often-neglected realm of business banking, specifically non-consumer exception handling for ACH, check, and wire transactions. Discover the sources of relevant rules and guidance, understand your liability, and explore strategies for safeguarding your organization. 

Learning Objectives:  

• Examine the non-consumer exception handling of ACH, check, and wire transactions. 
• Learn how to protect your organization against mishandling of non-consumer ACH, check, and wire transactions.  
• Understand the liability your organization has when handling non-consumer exceptions of ACH, check, and wire transactions.  
  

Duration: 90-minutes  

The Federal Reserve has embarked on the most aggressive efforts to fight inflation since the early 1980s. After more than a decade of expansionary monetary (and fiscal) policy, banks have been whipsawed. In effect, the Federal Reserve has sprung a liquidity trap.

The improper handling of Death Notification Entries (DNE), Government Reclamations, and Garnishments can expose financial institutions to potential significant dollar losses. This session will cover the proper procedures for handling ACH Government Reclamations and the garnishment of accounts receiving federal government ACH benefit payments.

Experience demonstrations of the latest solutions from several of our ThinkTECH Accelerator companies from previous years. Learn about how these companies are helping community banks flourish, hear from bankers who’ve implemented these solutions in their institutions, and see how our companies continue to evolve to meet your bank’s needs.

Grasp the essentials of Enterprise Risk Management (ERM). Gain insight into the three crucial phases of ERM and understand the integral role of Risk Assessments. Explore the workings of the Risk Assessment Process, focusing on three key assessments vital to your ERM Program: Enterprise Risk Management Risk Assessment, Information Technology Risk Assessment, and the Internal Controls Risk Assessment. Evaluate the consequences of neglecting controls and discover practical examples of mitigating and monitoring tools that banks can employ across various risk categories. Walk away with immediate implementation tools and examples for your organization.

This webinar targets participants with a foundational understanding of Enterprise Risk Management seeking specific examples on executing three crucial Risk Assessments.

This course addresses the nuts and bolts of time management and includes tools for setting goals, keeping logs, and planning your time. It includes methods for identifying low pay-off activities and timewasters, along with suggestions for getting rid of them.

Recorded: July 24, 2019

Length: 60 Minutes

Presenter: Jennifer Nodes, Jackson Lewis

Check fraud remains one of the most common types of fraud. It is a growing problem for banks because it’s easy to execute. Forgery, alterations, and counterfeit checks continue to be a major issue for banks, and treasury checks are not excluded from fraud. In late 2023, the Treasury amended regulations affecting bank liability for treasury checks.

Review the primary Treasury Management services available in the market. Learn about strategies to offer the right Treasury Management services your business customers need, based on the value these services provide to businesses. 

This session will explore how banks are implementing digital banking and financial solutions for their customer base, and how some banks are providing “Banking as a Service” to fintech.  We will discuss how banks are implementing both digital banking and “banking-as-a-service” initiatives (strategy, operations, legal/regulatory issues, staffing) and related regulatory and compliance issues.  This session will also touch on what advantages there are for both banks and fintech partners in a platform bank “Banking-as-a-Service” model for simple DDA, payments and lending products.

The Ultimate Guide for Bank Directors provides bank directors with the knowledge and insight necessary for performing their fiduciary responsibilities conscientiously and effectively. This is a must read for every board member or bank executive aspiring to become a director.

Bank Director Program: $23.95

Banks are committed to serving the families and businesses in their communities and proudly supply the financial products and services that provide important economic opportunities for individuals, families, and small business owners. It follows that banks support fair, objective, and transparent enforcement of civil rights and fair lending laws. However, we cannot support the CFPB's recent actions, taken without legislative authority, to extend fair lending laws beyond the bounds carefully set by Congress.

The ICBA Education Universal Banker Certificate Program arms current and prospective frontline staff with the tools and skills they need to be Universal Bankers. The learner will develop the skills required to meet the needs of all bank customers, ensure all customer encounters and follow through meet regulatory standards, use teamwork to meet customer needs, and understand contemporary issues in bank frontline customer service.

The ICBA Education Universal Banker Certificate Program arms current and prospective frontline staff with the tools and skills they need to be Universal Bankers. The learner will develop the skills required to meet the needs of all bank customers, ensure all customer encounters and follow through meet regulatory standards, use teamwork to meet customer needs, and understand contemporary issues in bank frontline customer service.

$499 / ICBA Members

$1,299 / Non-Members