<p>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.</p> <p>Learning Objectives:</p> <ul> <li>Explore the historical evolution of banking.</li> <li>Gain knowledge of how the banking system in the United States functions.</li> <li>Learn about the various types of banks.</li> </ul> <p>Duration: 60-minutes</p>

<p>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. </p> <p>Learning Objectives: </p> <ul> <li><p>Discover best practices for presentation preparation. </p> </li> <li><p>Learn practical presentation skills. </p> </li> <li><p>Examine message dos and don’ts. </p> </li> <li><p>Gain hands-on experience, examples, and checklists. </p> </li> </ul> <p>Duration: 90-minutes</p>

<p>Everyone plays an important role in that process, so take the time to discover and identify how each job position at your bank will contribute to successful relationship development. </p><p>Examine how banks can direct their culture and business practices directly to customers and earn their long-term loyalty. </p><p>Learning Objectives: </p><ul><li><p>Examine effective ways to engage the entire organization in relationship development. </p></li><li><p>Discover how your position can contribute to a successful customer relationship. </p></li><li><p>Learn to take ownership in customers&rsquo; tenure and satisfaction. </p></li></ul><p>Duration: 60-minutes </p>

<p>During the Bring YOUR Shoes inspirational keynote based on the leadership book Bring YOUR Shoes, attendees discover their talents and learn how to maximize them in the workplace by creating opportunities for themselves. Gain insight on how to discover and develop your employees&rsquo; talents to maximize their potential. Emerging leaders, new managers, and new supervisors will benefit most from this interactive keynote presentation and learn how to lead with a fresh perspective. </p><p>Learning Objectives: </p><ul><li><p>Learn how to discover and maximize your talent. </p></li><li><p>Gain the knowledge necessary to discover and maximize the talent of those you lead. </p></li><li><p>Explore ways to lead teams by maximizing all talent. </p></li></ul><p>Duration: 90-minutes </p>

<p>Explore the best early warning signs for detecting credit decline and learn how to navigate your bank's credit process for effective risk management. This webinar equips all levels of credit and lending staff with the necessary tools to address deterioration proactively.</p><p><strong>Learning Objectives:</strong></p><ul><li>Identify the best early warning signs to monitor declining credits.</li><li>Define the credit process and manage credit risk through to the last payment.</li><li>Gain the tools and knowledge to catch deterioration of a loan before it&rsquo;s too late.</li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p>Are you familiar with the amendment requirements and the process for amending your documents? To avoid IRS penalties, financial organizations must use the correct and properly amended IRA opening documents. Learn how to properly establish Traditional and Roth IRAs and how to amend them. </p><p>Learning Objectives: </p><ul><li><p>Become familiar with the process and requirements to amend IRA documents. </p></li><li><p>Learn how to avoid IRS penalties when opening IRAs. </p></li><li><p>Learn how to properly establish Traditional and Roth IRAs. </p></li></ul><p>Duration: 60-minutes </p>

<p>Review legal restrictions on charter conversions, the differences in supervisory emphasis among the federal regulators, and the step-by-step process on converting your bank. </p><p>Learning Objectives: </p><ul><li><p>Examine which bank charter is right for your bank. </p></li><li><p>Gain knowledge of the process of changing charters. </p></li><li><p>Learn the legal restrictions and differences in supervisory on charter conversions. </p></li></ul><p>Duration: 60-minutes </p>

<p>Bankers should understand the requirements if their institution is approaching the $500 million or $1 billion thresholds considering crucial planning and realistic timelines </p><p>Cover the key facts about FDICIA including auditing and enhanced reporting requirements as well as audit committee responsibilities. </p><p><strong>Learning Objectives: </strong></p><p>Understand the steps necessary to implement FDICIA to satisfy audit and regulatory guidelines, including: </p><ul><li><p>Monitoring and preparing for implementation </p></li><li><p>Reviewing internal controls and devising an action plan </p></li><li><p>Establishing key controls and determining a testing methodology </p></li><li><p>Obtaining the necessary skills and resources for implementation </p></li><li><p>Anticipating the costs and budgeting for FDICIA Compliance </p></li><li><p>Engaging your audit committee in fraud prevention </p></li><li><p>Determining the correct technology to assist with compliance. </p></li></ul><p><br /></p>

<p>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. </p><p>Learning Objectives: </p><ul><li><p>Understand the key evaluations, important dates, and definition of a large bank. </p></li><li><p>Learn about the requirements of the Retail Lending Assessment Areas. </p></li><li><p>Examine the New Retail Services and Products Test. </p></li><li><p>Study the community development financing calculation. </p></li><li><p>Analyze the new Community Development Services Test.</p></li> </ul><p>Duration: 60-minutes </p>

<p>The final rule takes effect in April 2024 and will require mandatory bank compliance by January 1, 2026. </p><p>This webinar will explain what is required for intermediate banks under the final rule including the Retail Lending Test, the existing Community Development Test and the optional Community Development Financing Metric Test. </p><p><strong>Learning Objectives: </strong></p><ul><li><p>Understand the key evaluations, important dates, and definition of an intermediate bank. </p></li><li><p>Learn about the requirements to comply with the new Retail Lending Assessment Areas. </p></li><li><p>Learn about the new and optional community development financing calculation and how to comply. <br /></p></li></ul><p><strong>Duration:</strong> 60-minutes </p>

<p><strong>Learning Objectives: </strong></p><ul><li><p>Identify how you can prepare for IRA contribution season. </p></li><li><p>Learn about Traditional and Roth IRA contributions issues and how to avoid them. </p></li><li><p>Understand contribution deadlines, limits, tax credits, extensions, and deductibility rules. <br /></p></li></ul><p><strong>Duration:</strong> 60-minutes </p>

<p>The final rule is currently scheduled to take effect in April 2024 and will require mandatory bank compliance by January 1, 2026. Don't miss this high-level overview of the CRA and its requirements for each bank asset size. </p><p><strong>Learning Objectives: </strong></p><ul><li><p>Understand the key evaluations, important dates, and definition of a small, intermediate, and large bank. </p></li><li><p>Learn about the bank&rsquo;s assessment area and what it means in this new era for CRA. </p></li><li><p>Know the various CRA qualifying activities and why it is important for banks to understand. <br /></p></li></ul><p><strong>Duration:</strong> 60-minutes </p>

<p>The key is not to be an order taker, but rather add value to your borrower&rsquo;s business and build a relationship which is mutually beneficial.</p> <p>Learning Objectives:</p><ul><li>Define the general lending concepts.</li><li>Learn about the process of the C&amp;I loan.</li><li>Understand the cash cycles, sources, and uses of cash.</li><li>Learn what to look for when assessing the marketplace impacts.</li></ul><p>Duration: 60-minutes</p>

<div><p>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.&nbsp;</p></div><p>Learning Objectives:&nbsp;</p><p>&bull; Develop a strategic approach to delivering your desired customer experience.&nbsp;</p><p>&bull; Learn how to manage your customer&rsquo;s entire journey.&nbsp;&nbsp;</p><p>&bull; Lead a culture that manages the desired customer experience.&nbsp;</p><div><br /></div><p>Duration: 60-minutes&nbsp;&nbsp;</p>

<p>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. </p><p>Learning Objectives: </p><ul><li><p>Learn the differences between transfers and rollovers. </p></li><li><p>Understand Roth retirement plan assets and portability with Roth IRAs. </p></li><li><p>Ensure you are handling the IRA transfer and rollover transactions correctly. </p></li></ul><p>Duration: 60 minutes </p>

<p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">Learning Objectives:&nbsp;&nbsp;</span><br /></p><ul><li>Examine the non-consumer exception handling of ACH, check, and wire transactions.&nbsp;</li><li>Learn how to protect your organization against mishandling of non-consumer ACH, check, and wire transactions.&nbsp;&nbsp;</li><li>Understand the liability your organization has when handling non-consumer exceptions of ACH, check, and wire transactions.&nbsp;&nbsp;<br /></li></ul><p>Duration: 90-minutes&nbsp;&nbsp;</p><p><br /></p><p>&nbsp;</p>

<p>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. </p><p>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. </p><p>Learning Objectives: </p><ul><li><p>Learn the importance of a clearly defined strategic plan structure. </p></li><li><p>Identify key components common to successful strategies. </p></li><li><p>Understand the role of enterprise risk mitigation and management in an institution&rsquo;s strategic plan. </p></li><li><p>Identify and implement four key growth strategies. </p></li><li><p>Establish best practices with board governance. </p></li><li><p>Develop and manage the strategic planning and implementation process in your institution. </p></li><li><p>Conduct a Strategic Risk Assessment for New Initiatives. </p></li></ul><p>Duration: 90-minutes </p>

<p>Learn about the unique features of P2P transfers via the ACH network and discover how to avoid or address issues as they arise. </p><p>Learning Objectives: </p><ul><li><p>Examine P2P transfers via the ACH Network. </p></li><li><p>Learn about the most common P2P problems. </p></li><li><p>Discover how to resolve P2P problems. </p></li></ul><p>Duration: 90-minutes</p>

<p>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&rsquo;s life by mentoring them and also encouraged to seek the ideal mentor for you. </p><p>Learning Objectives </p><ul><li><p>Explore the concepts of mentor, mentoring, and mentee </p></li><li><p>Discover the differences between coaching, mentoring, counseling, and consulting </p></li><li><p>Learn the traits of successful mentors and how to find the right mentor for you </p></li><li><p>Find the keys to becoming a successful mentor </p></li><li><p>Gain knowledge in reverse mentoring </p></li><li><p>Examine the traits of a successful mentee </p></li></ul><p>Duration: 90-minutes</p>

<p>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. </p><p>Learning Objectives: </p><ul><li><p>Understand the withholding and reporting requirements applicable to Traditional and Roth IRAs. </p></li><li><p>Examine Traditional and Roth IRA distributions. </p></li><li><p>Learn about early distribution penalty tax and how distributions are paid out. </p></li></ul><p>Duration: 60-minutes </p>

<p>Learning Objectives:</p> <ul> <li>Learn how funding sources influence credit portfolio decisions.</li> <li>Define the areas of lending that best suit your risk tolerance.</li> <li>Learn to reinforce your credit culture.</li> </ul> <p>Duration: 60-minutes</p>

<p>Explore best practices for effectively controlling risks and enhance your risk management strategy with valuable knowledge. </p><p>Learning Objectives: </p><ul><li><p>Learn about the various types of risk in payment channels. </p></li><li><p>Understand how payments risks can affect your organization. </p></li><li><p>Develop best practices for controlling risks. </p></li></ul><p>Duration: 90-minutes </p>

<p>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. </p><p><strong>Learning Objectives: </strong></p><ul><li><p>Identify the vital IRA requirements your institution must comply with. </p></li><li><p>Learn about the latest IRA reporting requirements. </p></li><li><p>Understand the reporting topics on required minimum distribution statements, fair market value statements, accounts statements, and IRS forms. </p></li></ul><p><strong>Duration: </strong>60-minutes </p>

<p>Learning Objectives:</p> <ul> <li>Learn how to assess management’s stewardship of cash.</li> <li>Build expectations for industry standards in inventory control and receivable collections.</li> <li>Develop a usable asset management to arrive at the right line of credit amount.</li> <li>Define key monitoring points to avoid issues for you and the borrower through the life of the loan.</li> </ul> <p>Duration: 60-minutes</p>

<p>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. </p><p>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. </p><p>Learning Objectives: </p><ul><li><p>Understand the key evaluations, important dates, and definition of a small bank. </p></li><li><p>Learn about the requirements of the optional Retail Lending Assessment Areas. </p></li><li><p>Learn about the new and optional submission of the Community Development activities. </p></li></ul><p>Duration: 60-minutes </p>

<p>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. </p><p>Learning Objectives: </p><ul><li><p>Outline the bank regulatory and supervisory highlights from 2023. </p></li><li><p>Identify the priorities of regulators in 2024. </p></li></ul><p>Duration: 60-minutes</p>

<p>Learning Objectives: </p> <ul><li><p>Examine the bank regulatory landscape. </p></li><li><p>Examine the foundation laws of banking. </p></li><li><p>Learn about the business of banking. </p></li></ul><p>Duration: 60-minutes </p>

<p>Learning Objectives:</p> <ul> <li>Gain insights on Reg.DD and Reg. CC and determine if your bank is complying.</li> <li>Define best practices for E-Sign.</li> <li>Learn how to meet regulatory requirements effectively and adapt if they're not met.</li> </ul> <p>Duration: 60-minutes</p>

<p>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.</p><p>Learning Objectives:</p><ul><li>Examine the current community bank environment.</li><li>Learn key considerations for operational and corporate decision making at the bank and holding company level.</li><li>Discuss opportunities for community banks.</li></ul><p>Duration: 60-minutes</p>

<p>We&rsquo;ll provide a general overview and key points covering:</p><ul><li>BSA/AML</li><li>Physical Bank Security</li><li>Reg CC</li><li>Red flags</li><li>Privacy</li><li>Fair Lending</li><li>SAFE Act</li><li>UDAAP</li></ul><p>Duration: 90 minutes</p>

<p>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.</p>

<p>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.</p>

<p>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.</p>

<p>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.</p>

<p>Learning Objectives:</p> <ul> <li>Understand and measure a business’s performance using ratio analysis.</li> <li>Learn about the key ratios that must be analyzed and how to use this specific information.</li> <li>Be able to go beyond the number and understand data.</li> </ul> <p>Duration: 60-minutes</p>

<p>Discover the most common &ldquo;points of failure&rdquo; 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.</p><p>Learning Objectives:</p><ul><li>Learn what to look for in your IRA Program to ensure you comply with IRS requirements.</li><li>Discover the most common points of failure that auditors discover.</li><li>Understand how to protect your bank from IRS penalties in the future.</li></ul><p>Duration: 60-minutes</p>

<p>Learning Objectives:</p> <ul><li>Understand the legal framework of brokered deposits and core deposits.</li><li>Learn about the recent changes to FDIC rules regarding brokered deposits.</li><li>Identify industry trends surrounding brokered deposits and core deposits.</li></ul><p>Duration: 60-minutes</p>

<p>From building initial awareness through post-purchase service, what you do and how you do it will impact your customers&rsquo; perceptions of your brand. Take a strategic look at integrating your brand expectations into the many activities that impact a customer&rsquo;s journey. </p><p>The entire journey includes four key stages of relationship building: awareness, research, selection, and service. How you prepare for and manage each stage will have a profound impact on your ability to sustain brand consistency and ultimately differentiate your brand in a crowded marketplace. </p><p><strong>Learning Objectives </strong></p><ul><li><p>Integrate your brand expectations into the many activities that impact a customer&rsquo;s journey. </p></li><li><p>Identify the four key stages of relationship building. </p></li><li><p>Differentiate your brand in the marketplace. </p></li></ul><p><strong>Duration: </strong>60-minutes <br /></p>

<p>Discover how the various areas of the bank are related, their effect on the bottom line, and how they all integrate into the bank&rsquo;s overall Strategic Plan. Walk away with ideas you can implement immediately in your career plus a few new real connections! </p><p><strong>Learning Objectives </strong></p><ul><li><p>Understand the importance of networking. </p></li><li><p>Study how to make real connections and build long-term relationships. </p></li><li><p>Examine the business of banking and career paths. </p></li><li><p>Identify the ideal organizational design for a community bank. </p></li><li><p>Learn to stay connected to people and the industry. </p></li></ul><p><strong>Duration: </strong>90-minutes <br /></p>

<p>The earlier you catch a troubled credit the better your options are to minimize any future loss. Learn the steps you need to take and identify the various options that are available to you in facing what is likely the most important part of being a commercial banker.</p> <p>Learning Objectives:</p> <ul> <li>Analyze the early warning signs of troubled credit.</li> <li>Learn the steps to take to minimize any future loss.</li> <li>Setup a plan to avoid a charge off loan.</li> </ul> <p>Duration: 60-minutes</p>

<p>Learning Objectives:</p> <ul><li>Examine the art of effectively setting limits for your ACH originators.</li><li>Learn the details of setting ACH limits.</li><li>Ensure you are meeting Nacha Rules on setting exposure limits.</li></ul><p>Duration: 90-minutes</p>

<p>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 &ldquo;Optimal Risk-Taking.&rdquo;</p><p>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.</p><p>Learning Objectives:</p><ul><li>Understand Enterprise Risk Management (ERM) and its key components.</li><li>Explore the three phases of ERM, emphasizing the role of Risk Assessments.</li><li>Enhance existing Risk Assessments through the Risk Assessment Process.</li><li>Comprehend the goals and characteristics of effective Risk Assessments.</li><li>Explore the relationship between Risk Assessment Systems (RAS) and CAMELS rating.</li><li>Identify and prioritize the top eight risks along with other significant ones.</li><li>Master the use of a Matrix for ERM Risk Assessments, a core methodology.</li><li>Differentiate types of risk assessments based on risk areas and their components.</li><li>Examine examples of Monitoring and Reporting tools for ongoing risk management.</li></ul><p>Duration: 90-minutes</p>

<p>Learning Objectives: </p> <ul><li><p>Learn how to conduct a risk assessment of your ACH activities. </p></li><li><p>Identify best practices to ensure you are compliant with the requirements of primary regulators. </p></li><li><p>Discover how to assess the different risks of ACH activities. </p></li></ul><p>Duration: 90-minutes </p>

<p>Gain strategies for community banks and directors to efficiently manage this herculean task and best position the institution to avoid regulatory and compliance pitfalls. </p><p>Learning Objectives: </p><ul><li><p>Define strategies to manage compliance with applicable laws and regulations. </p></li><li><p>Learn to avoid regulatory and compliance pitfalls. </p></li><li><p>Discover how to overcome the challenges of ensuring the institution achieves and maintains compliance with law and regulations. </p></li></ul><p>Duration: 60-minutes </p>

<p>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.</p><p><em>This webinar targets participants with a foundational understanding of Enterprise Risk Management seeking specific examples on executing three crucial Risk Assessments.</em></p> <p>Learning Objectives:</p><p>Part I:</p><ul><li>ERM quick overview and key definitions</li><li>Three Key Phases of ERM and how Risk Assessments fit in</li><li>The Risk Assessment Process</li><li>ERM Risk Assessment&ndash; Complete example</li></ul><p>Part II:</p><ul><li>Information Technology Risk Assessment</li><ul><li>Definitions</li><li>Areas Assessed</li><li>Categories Included</li></ul><li>IT Risk Assessment &ndash; Complete example</li></ul><p>Part III:</p><ul><li>Internal Controls Risk Assessment</li><ul><li>Definitions</li><li>Areas Assessed</li><li>Categories Included</li></ul><li>Internal Controls Risk Assessment &ndash; Complete example</li></ul><p>Duration: 90-minutes</p>

<p>Learning Objectives:</p> <ul> <li>Confidently analyze ag credit and make informed credit decisions.</li> <li>Analyze agricultural tax returns to determine repayment ability, including cash-to-accrual adjustments.</li> <li>Learn the credit essentials and how to mitigate risks on ag loans.</li> </ul> <p>Duration: 60-minutes</p>

<p>Gain an overview of the affiliate transaction restrictions imposed by Reg. W and identify areas that warrant special attention for your community bank to ensure compliance is achieved. </p><p>Learning Objectives: </p><ul><li><p>Define Regulation W. </p></li><li><p>Learn how to ensure you are in compliance with Reg. W. </p></li><li><p>Study the areas of the regulation that warrant special attention. </p></li></ul><p>Duration: 60-minutes </p>

<p>Focus on collecting initial information, organizing analysis, conducting quick pre-qualifications, and ensuring smooth closings. Remember, your role continues post-closing, where you can help minimize potential losses for the bank. With the right tools, you can streamline decision-making for client requests while supporting the lending staff effectively. </p><div><br /></div><div><p><strong>Learning Objectives </strong></p></div><ul><li>Define the commercial credit approval process. </li><li>Identify the roles and responsibilities of the lending team throughout the loan process and post-closing phase. </li><li>Gain insights and tools to streamline the process from the initial application to final decision. </li></ul><p></p>

<p>Learning Objectives: </p> <ul><li><p>Study compensation structures and methods to attract and retain a team. </p></li><li><p>Learn how your bank can continue to grow and succeed in the future. </p></li><li><p>Identify strategies to overcome the challenges of retaining a quality team.</p></li> </ul><p>Duration: 60-minutes </p>

<p>Learning Objectives: </p> <ul><li><p>Discover why it&rsquo;s important for community banks to utilize insurance. </p></li><li><p>Learn the key insurance protections. </p></li><li><p>Study relevant insurance issues that can be applied to insurance protections in other areas of community bank operations. </p></li></ul><p>Duration: 60-minutes </p>

<p>Attend for information on: </p><ul><li><p>Fee related litigation activity. </p></li><li><p>Insight and trends on what attorneys are witnessing across the country. </p></li><li><p>Regulatory considerations. </p></li><li><p>Core service provider considerations. </p></li></ul><p>Participants are encouraged to submit questions during this webinar as ICBA experts and presenting attorneys will answer questions from community bankers during the Q&amp;A session. </p><p>Disclaimer: The information provided during this webinar should not be construed as legal advice. </p><p>Duration: 75-minutes </p>

<p>Does your financial institution understand your obligations and options when it comes to handling these complicated situations? Discover how to handle these challenging situations. </p><p><strong>Learning Objectives: </strong></p><ul><li><p>Define the big three check issues. </p></li><li><p>Identify the current strategies you can use to reduce check fraud. </p></li><li><p>Learn about the applicable warranties. </p></li><li><p>Discover how to protect your customers and mitigate your institution&rsquo;s liability. </p></li><li><p>Define what it means to &ldquo;deal direct&rdquo;. </p></li><li><p>Understand how to apply this knowledge in different scenarios. </p></li></ul><p><strong>Duration: </strong>90-minutes <br /></p>

<p>The following topics will be discussed:</p><ul><li>Election Analysis / Congressional Outlook 119th Congress</li><li>2025 Expiring Tax Relief / Tax Debate / Budget</li><li>Farm Bill</li><li>FHLBs</li><li>1033 update and resources ICBA will make available</li><li>Brokered Deposits/FDIC Deposits RFI</li><li>BSA/AML Update</li><li>Overdraft Rule Update</li><li>ICBA Grassroots Advocacy Resources</li></ul><p><em>Topics subject to change based on current events.</em></p>

<p>Learning Objectives:</p><ul><li>Learn the fundamental elements of due diligence and ongoing monitoring.</li><li>Discover the importance of SOC reports in achieving monitoring requirements.</li><li>See how to properly digest the information in reports to avoid common issues during audits.</li></ul><p>Duration: 60-minutes</p>

<p>Learning Objectives: </p> <ul><li><p>Learn how you can help your organization prepare for a breach. </p></li><li><p>Discover what an incident looks like when it occurs. </p></li><li><p>Prepare breach response strategies. </p></li><li><p>Understand senior leadership&rsquo;s role during and after an incident, and major focus areas. </p></li></ul><p>Duration: 60-minutes </p>

<p>Learning Objectives: </p> <ul><li><p>Define key E-Sign compliance requirements needed to offer electronic services </p></li><li><p>Learn about the common pitfalls and areas. </p></li><li><p>Understand industry best practices. </p></li><li><p>Discover how to implement a compliant E-Sign program or identify gaps in your current program. </p></li></ul><p>Duration: 60-minutes</p>

<p>BSA Officers at any expertise level can leverage today's activities to their advantage and strategically position themselves for the future. </p> <p>Learning Objectives: </p><ul><li><p>Learn the differences between AI, ML, and RPA and how each can be leveraged in a BSA/AML Program. </p></li><li><p>Acquire the technical skills necessary to operate a BSA program in the future. </p></li><li><p>Balance technical skills with existing soft skills. </p></li></ul><p>Duration: 60-minutes </p>

<p>Learning Objectives: </p> <ul><li><p>Understand how to use your BIA to inform your multi-year BCP testing plan. </p></li><li><p>Discover what components should be included and what could be left out. </p></li><li><p>Identify where to start to get the most effective and manageable program. </p></li><li><p>Learn how to satisfy requirements for incorporating Risk Assessment results into your test plan. </p></li></ul><p>Duration: 60-minutes </p>

<p>It&rsquo;s critical to have a proper handle on your processes to ensure compliance issues don&rsquo;t arise when these changes occur. Discuss how to adequately react to shifts in your organization, remain compliant in an ever-changing environment, and ensure business agility in change management processes. </p><p><strong>Learning Objectives </strong></p><ul><li><p>Learn best practices and controls over change management compliance. </p></li><li><p>Define types of situations where customer notification is required to comply. </p></li><li><p>Discover ways to react when change impacts your organization. </p></li></ul><p><strong>Duration:</strong> 60-minutes </p>

<p>Ensure you stay up to date about treasury check fraud and scams that could impact your financial institution. Join professionals from the Treasury to discuss current check fraud activities, the changes in regulations, and present tools available to mitigate risks.</p><p>Learning Objectives:</p><ul><li>Gain an understanding of the new Treasury rules.</li><li>Learn how the Treasury Check Verification System (TCVS) can validate treasury checks to reduce bank risk.</li><li>Gain awareness of treasury check crimes.</li></ul><p>Duration: 75-minutes</p>

<p>Explore the five cultural changes that must be managed as foundations at your bank.</p><ol><li>Staff development and empowerment</li><li>Business development</li><li>Change management</li><li>Technology and process improvement</li><li>Customer experience management</li></ol><p><strong>Learning Objectives:</strong></p><ul><li>Identify the five cultural changes that must be managed as foundations.</li><li>Learn how you can perform effectively while embracing emerging challenges and opportunities.</li><li>Discover how to adapt to changes at your bank.</li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p><strong>Learning Objectives: </strong></p><ul><li>Enhance your crime prevention efforts by accurately interpreting your surroundings. </li><li>Understand why observers may have differing opinions and descriptions of the same incident. </li><li>Improve your ability to remember details and events. </li></ul><p><strong>Duration:</strong> 90-minutes </p>

<p><strong>Learning Objectives:</strong></p> <ul> <li>Identify and learn how to implement preventive measures to avoid becoming a victim.</li> <li>Recognize warning signs and red flags of victims and perpetrators.</li> <li>Improve workplace violence policies and procedures.</li> </ul> <p><strong>Duration:</strong> 90-minutes</p>

<p><strong>Learning Objectives:</strong> </p><ul><li><p>Prepare for your next regulatory examination. </p></li><li><p>Identify the current regulatory hot buttons and examination issues. </p></li><li><p>Learn strategies to resolve identified problems during and after the examination. </p></li></ul><p><strong>Duration: </strong>60-minutes </p>

<p>What should banks be doing now before credit turns? Where are the opportunities? Address new risk management approaches required and learn how to manage the new regulatory views of these risk areas. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Learn the new required risk management approaches. </p></li><li><p>How to avoid MRAs and supervisory recommendations. </p></li><li><p>Manage the new regulatory risks of liquidity and lending. </p></li><li><p>Define the new credit risks and opportunities. </p></li></ul><p><strong>Duration: </strong>60-minutes </p>

<p><strong>Learning Objectives: </strong></p><ul><li><p>Address the topic of Right of Access. </p></li><li><p>Understand Claims for Damages. </p></li><li><p>Learn about various data protection challenges. </p></li><li><p>Study best practices for implementing effective data protection strategies. </p></li><li><p>Navigate the evolving landscape of data regulations. </p></li></ul><p>Duration: 60-minutes </p>

<p>Uncover the truth about commonly debated topics, such as the use of dummy cameras and the use of time locks. Review the proper procedures that should be implemented with Cash Recyclers and security apps. </p><p>This webinar is designed specifically for Security Officers with 1 to 5 years of experience ready to level up their career. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Discover solutions to practical security issues. </p></li><li><p>Learn proper security procedures for cash recyclers and security apps. </p></li><li><p>Answer the most asked questions by security officers. </p></li></ul><p>Duration: 90-minutes</p>

<p>Explore data mapping and its relevance amidst changing workplace norms and regulations. Discuss practical scenarios highlighting data privacy risks and outline actionable steps to enhance your management of these risks. </p><p>Learning Objectives: </p><ul><li><p>Discover effective strategies for managing and utilizing employee information responsibly. </p></li><li><p>Identify actionable steps to enhance your management of data privacy and security risks. </p></li><li><p>Gain insights about the latest legislative and regulatory updates. </p></li></ul><p>Duration: 60-minutes </p>

<p><strong>Learning Objectives:</strong> </p><ul><li><p>Define key topics to address in strategic planning. </p></li><li><p>Learn how key topics such as safety and soundness, capital play a role in strategic planning. </p></li><li><p>Discover effective strategies to navigate shifting regulations and adapt your bank&rsquo;s plans to ensure long-term success. </p></li><li><p>Gain valuable insights and learn how to stay ahead in this dynamic environment. </p></li></ul><p>Duration: 60-minutes </p>

<p><strong>Learning Objectives:</strong> </p><ul><li><p>Understand how to manage employee social media use. </p></li><li><p>Learn good and bad examples of social media use policy. </p></li><li><p>Define the federal, state, and local law that may affect social media policies. </p></li></ul><p><strong>Duration:</strong> 60-minutes </p>

<p><strong>Learning Objectives:</strong> </p><ul><li><p>Define the process of transferring bank stock as part of shareholder&rsquo;s estate planning process. </p></li><li><p>Discover the potential regulatory, corporate and tax issues associated with the transferring of bank stock. </p></li><li><p>Learn how to educate shareholders on issues associated with transferring bank stock. </p></li></ul><p><strong>Duration:</strong> 60-minutes </p>

<p>ICBA&rsquo;s LEAD FWD Summit attracts ambitious community bankers from across the country.  &nbsp;</p><p>Bank professionals from all areas of the bank &mdash; operations, credit, retail, wealth management, information technology, marketing, administration, finance, and more &mdash; attend to unlock their leadership and learn how to lead their banks and careers forward. &nbsp; </p>

<p>While multi-factor authentication (MFA), stronger password requirements, increased security awareness, and other factors have increased our ability to protect businesses, the arms race between the proverbial &ldquo;red&rdquo; vs &ldquo;blue&rdquo; team is ever evolving. </p><p>Bad actors are constantly researching and employing new ways to bypass these defenses. Learn about these new approaches that both security testers and the real bad guys are using to breach organizations and invade your privacy. </p><p><strong>Learning Objectives </strong></p><ul><li><p>Understand the ongoing requirements for maintaining Multi-Factor Authentication (MFA) effectiveness. </p></li><li><p>Recognize the need for continuous management of email security solutions. </p></li><li><p>Comprehend why Microsoft Teams is not secure by default and requires configuration. </p></li><li><p>Identify insecure features exposed during Azure/M365 tenant setup. </p></li><li><p>Learn how OneNote malware is the new Office Macro attack. </p></li><li><p>Discover lesser-known "dual-use" products in Microsoft 365 that can be exploited by attackers. </p></li><li><p>Realize that successful phishing attacks can often be facilitated by simple phone calls. </p></li><li><p>Implement strategies to protect your organization from vulnerabilities. </p></li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p>While attackers only need to be right once, defenders must be right every time. Frustrated attackers often make mistakes or target easier victims, giving defenders a crucial advantage. </p><p>Learn seven free strategies you can implement today that frustrate attackers into a self-defeating spiral. </p><p><strong>Learning Objectives </strong></p><ul><li><p>Discover the most common attacker techniques. </p></li><li><p>Learn defensive techniques to disrupt the attack. </p></li><li><p>Build a process to keep up with changes in attack techniques. </p></li></ul><p><strong>Duration:</strong> 60-minutes <br /></p>

<p>This means no user or asset is implicitly trusted; instead, each user, device, application, and transaction is continuously verified. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Gain a clear understanding of the Zero Trust model and its significance. </p></li><li><p>Learn practical steps for assessing your current security posture. </p></li><li><p>Define effective strategies for building a robust Zero Trust architecture. </p></li><li><p>Develop a comprehensive roadmap for starting your Zero Trust journey. </p></li></ul><p><strong>Duration:</strong> 60-minutes <br /></p>

<p>Review general unclaimed property concepts and dive into specific complications and questions faced by financial institutions specifically. Discussion topics will include determining applicable dormancy periods, what constitutes a client contact that would reset the dormancy clock, questions around unknown owners, audit risk and exposure, and voluntary disclosure opportunities. </p><div></div><p><strong>Learning Objectives: </strong></p><ul><li>Review of general unclaimed property concepts. </li><li>Learn the complications and questions faced by financial institutions. </li><li><p>Study key details of unclaimed property to remain compliant. </p></li></ul><div></div><p><strong>Duration: </strong>60-minutes </p>

<p>Participants review the current environment, predictions of future activity and environmental changes, and learn how to address unsolicited offers.</p> <p>Learning Objectives:</p> <ul> <li>Understand community bank participation in transactions.</li> <li>Identify current environmental challenges.</li> <li>Explore future activities and potential changes.</li> </ul> <p>Duration: 60 minutes</p>

<p>Are you bound by Regulation J and Operating Circular 3 or by private sector rules? Knowing this is key to understanding how to handle issues that inevitably arise when processing checks. Gain an overview of the various rules and regulations check participants encounter in daily processing.</p><p>For an in-depth discussion of check exceptions, register for the <a href="https://www.icba.org/events/details/2024/11/06/education/check-returns-adjustments">Check Returns &amp; Adjustments webinar</a> on November 6th.</p><p>Learning Objectives:</p><ul><li>Understand check rules and regulations.</li><li>Learn how the clearing path determines rules set applicability.</li><li>Recognize the importance of other agreements.</li></ul><p><strong>Duration:</strong> 90-minutes</p>

<p>As a follow up to the Check Rules &amp; Regulations session, participants will hear from industry experts as they discuss the Paying Bank's legal right to return a check within strict deadlines compared to the more flexible time frame for check adjustments. Topics also include the most common adjustment types seen by the Federal Reserve Bank, the differences in the adjustment process based on the clearing path, and when and how to make a breach of warranty claim.</p><p>Learning Objectives:</p><ul><li>Distinguish between a return and an adjustment.</li><li>Determine the timing for a compliant return.</li><li>Recognize when to file an adjustment and breach of warranty claim.</li><li>Establish the timing for adjustments.</li></ul><p><strong>Duration:</strong> 90-minutes</p>

<p>However, confusion arises around the requirement to file Forms 1099-INT and 1099-MISC for promotional payments to customers, such as incentives for opening accounts, setting up direct deposits, or using specific debit cards. This issue has become more complicated with the rise of fintech. The lack of clear guidance can lead to significant missteps and potentially hefty penalties.</p><p>Gain an overview of some of the reporting issues and penalties and uncover a path forward for complying with Forms 1099-INT and 1099-MISC for promotional programs.</p><p>Learning Objectives:</p><ul><li>Learn the reporting requirements to file Forms 1099-INT and 1099-MISC with respect to promotional payments paid to customers.</li><li>Identify the common reporting issues and penalties on 1099-INT and 1099-misc forms.</li><li>Recognize if you&rsquo;re in compliance reporting on forms 1099-INT and 1099-MISC for promotional programs.</li></ul><p>Duration: 60-minutes</p>

<p>This rule, which stems from the Dodd-Frank legislation passed 14 years ago, aims to set standards for bank incentive compensation programs. Is the third time a charm?  And if this rule is not adopted, what are bank regulatory expectations for incentive compensation? Discuss the latest regulatory proposal, the existing guidance applicable to community banks, and what actions banks should take.</p><p>Learning Objectives:</p><ul><li>Examine the details of the latest regulatory proposal.</li><li>Determine whether the re-proposed rules apply to your bank.</li><li>Outline the necessary steps to ensure your bank's compliance.</li></ul><p>Duration: 60-minutes</p>

<p>Take part in a comprehensive examination of deposit studies and gain insights into creating a dynamic, forward-looking analysis. Plus, discover strategies to effectively present IRR profiles and meet evolving examiner expectations. </p><p>Learning Objectives: </p><ul><li><p>Analyze the impact of deposit lags and dynamic betas. </p></li><li><p>Capture the unique characteristics of each institution&rsquo;s deposit base, including balance concentration. </p></li><li><p>Understand the factors that influence decay rates. </p></li><li><p>Recognize the risks of relying on a &ldquo;one-and-done&rdquo; deposit study. </p></li></ul><p>Duration: 60-minutes </p>

<p>The discussion will cover recent regulatory feedback and provide actionable strategies for enhancing liquidity reporting, including dynamic forecasting, stress testing, early warning indicators, and effective policy development. Additionally, considerations for managing liquidity in the current environment will be highlighted. </p><p>Learning Objectives: </p><ul><li><p>Adopt advanced approaches to liquidity management beyond traditional metrics and ratios. </p></li><li><p>Policies revisited: are your policies supportable, flexible and consistent with your business model? </p></li><li><p>Navigate regulatory pressures and prepare effectively for upcoming examinations. </p></li><li><p>Develop robust stress tests and remediation plans and understand critical elements of an effective Contingency Funding Plan. </p></li><li><p>Evaluate appropriate levels of wholesale funding and explore often-overlooked alternatives. </p></li><li><p>Analyze deposit and loan pricing considerations in the current environment and assess the use of derivatives for lowering the cost of funds. </p></li></ul><p>Duration: 60-minutes </p>

<p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">Learning Objectives:</span><br /></p><ul><li><p>Examine the three Supreme Court cases that will have long-lasting impacts on the work of federal agencies. </p></li><li><p>Define the key aspects of the Loper Bright, Jarkesy, and Corner Post cases. </p></li><li><p>Anticipate the implications and expected outcomes in the wake of these landmark decisions. </p></li></ul><p>Duration: 60-minutes</p>

<p>Learning Objectives: </p><ul><li><p>Analyze details of EO 11246, VEVRAA and Section 503. </p></li><li><p>Identify what areas of the regulations and statutes apply to your bank. </p></li><li><p>Learn best practices for achieving and maintaining compliance with EO 11246, VEVRAA and Section 503. </p></li></ul><p>Duration: 60-minutes </p>

<p>Learning Objectives:</p><ul><li>Discuss how institutions are planning for potential challenges in the evolving economic landscape.</li><li>Uncover the forthcoming developments in credit, earnings, and capital within the current economic climate.</li></ul><p>Duration: 60-minutes</p>

<p>Learning Objectives: </p><ul><li><p>Define ESOPs and their core principles and structures. </p></li><li><p>Understand the process of establishing an ESOP in a banking institution. </p></li><li><p>Analyze how ESOPs benefit employees, including ownership culture and financial incentives. </p></li><li><p>Explore strategies for leveraging ESOPs to raise capital and drive bank growth. </p></li></ul><p>Duration: 60-minutes </p>

<p>Learning Objectives: </p><ul><li><p>Understand the latest regulations impacting the fintech industry and their implications for compliance. </p></li><li><p>Explore the recent supervisory actions by regulatory bodies and their effects on banking. </p></li><li><p>Gain insights into the challenges and opportunities of bank-fintech partnerships and effective navigation strategies. </p></li></ul><p>Duration: 60-minutes </p>

<p><strong>Learning Objectives:</strong></p><ul><li>Outline the bank regulatory and supervisory highlights.</li><li>Identify the priorities of regulators in 2025.</li><li>Best practices to prevent and/or remediate regulatory concerns.</li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p><strong>Learning Objectives:</strong></p><ul><li>Learn methods to differentiate your bank from its competitors.</li><li>How to use your bank&rsquo;s resources to target loan prospects.</li><li>How to prepare for meetings with your loan prospects.</li><li>Learn to add value to your relationships.</li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p><strong>Learning Objectives:</strong></p><ul><li>Understand the legal framework of brokered deposits and core deposits.</li><li>Learn about the recent changes to FDIC rules regarding brokered deposits.</li><li>Identify industry trends surrounding brokered deposits and core deposits.</li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p><strong>Learning Objectives:</strong></p><ul><li>Discover current conditions of the farm economy.</li><li>Identify the key elements to look for in farm borrowers.</li><li>Define the core credit risks that are specific to farm lending.</li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p><strong>Learning Objectives:</strong></p><ul><li>Learn the essentials of managing credit risk as a credit analyst.</li><li>Explore effective techniques for writing clear, impactful credit memos.</li><li>Understand how to collaborate with lending staff to build a robust loan portfolio.</li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p>Learning Objectives: </p><ul><li><p>Identify various capital raising alternatives for community banks. </p></li><li><p>Analyze the business and legal implications of each capital raising option. </p></li><li><p>Evaluate the suitability of different methods based on specific banking needs. </p></li></ul><p>Duration: 60-minutes </p>

<p>This webinar will cover key areas such as balance sheets, income statements, cash cycles, and financing structures that support clients&rsquo; businesses. We&rsquo;ll also explore essential credit risk management tools and early warning signs to help clients maintain healthy operations.</p><p><strong>Learning Objectives:</strong></p><ul><li>Understand the key financial and operational factors across different industries to better assess client needs.</li><li>Learn the essential credit risk management tools and analytical ranges to make informed lending decisions.</li><li>Recognize early warning signs to proactively help clients maintain financial stability and business health.</li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p><strong>Learning Objectives:</strong></p><ul><li>Discuss the challenges in the current environment.</li><li>Learn ways to maximize shareholder value.</li><li>Make corporate and ownership decisions for your organization.</li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p>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.</p><p>Duration: 60 minutes</p>

<p>Learning Objectives:</p> <ul> <li>Understand various real estate markets.</li> <li>Learn best practices for processing the loan from initial request to last payment.</li> <li>Define the early warning signs of troubled loans.</li> </ul> <p><strong>Duration:</strong> 60-minutes</p>

<p>A small mistake in a loan closing package can lead to serious consequences, including the inability to enforce defaults, improper collateral control, or failure to meet reporting requirements. It's crucial that every document in the package is flawless, every time.</p><p>This session will explore the different loan types and their required documents, highlighting the critical areas that must be correct in each closing package. Attendees will also gain a clear understanding of the purpose of each document and learn best practices for ensuring smooth, error-free closings every time.&nbsp;</p><p><strong>Learning Objectives:&nbsp;</strong>&nbsp;</p><ul><li>Understand different loan documents.&nbsp;</li><li>Learn best practices to ensure a seamless closing process.&nbsp;&nbsp;</li><li>Identify key areas of a loan package.&nbsp;</li></ul><p><strong>Duration: </strong>60-minutes&nbsp;</p>

<p>While not a substitute for a formal appraisal review under FIRREA and related regulations, this session will help you perform a basic, high-level assessment of appraisal reports to ensure your loan-to-value ratios are well-supported.</p><p><strong>Learning Objectives:</strong></p><ul><li>Understand what collateral is needed to secure a loan.</li><li>Identify different types of appraisals.</li><li>Learn how to review different appraisals.</li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p>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.</p>

<p>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.</p>

<p>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.</p><p>Duration: 60 minutes</p>

<p>Learn strategies to prevent talent loss and establish a robust talent management program that aligns with your strategic objectives. The session covers nine essential competencies for successors, providing practical tactics that can be implemented immediately. </p><p>By the end of the session, you will be equipped with the knowledge and tools needed to build a talent management program that fosters organizational growth and success. </p><p><strong>Key Learning Objectives:</strong> </p><ul><li><p>Identify the key components of an efficient talent management program. </p></li><li><p>Master techniques for conducting comprehensive talent assessments. </p></li><li><p>Align your talent management program with your strategic plan. </p></li><li><p>Implement proven strategies to attract and retain top talent. </p></li><li><p>Understand the role of succession planning and how to integrate it at all organizational levels. </p></li><li><p>Define the nine essential traits required for effective successors. </p></li><li><p>Apply strategic approaches to streamline HR functions. </p></li></ul><p><strong>Duration:</strong> 90-minutes </p>

<p>This session will explore data collection from both primary and secondary sources. Participants will see examples of straightforward data collection, utilization, and ongoing data management. This session will also highlight how to use data currently collected at four levels within the bank: company performance, transaction activity, account statistics, and customer relationship information. Each level offers a broader perspective of challenges and opportunities for future success. </p><p>By the end of this session, participants will gain practical strategies for effectively harnessing data at various levels to drive informed decision-making and enhance their bank's overall performance. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Analyze how data management enhances decision-making. </p></li><li><p>Identify strategies for utilizing your bank&rsquo;s data effectively. </p></li><li><p>Assess the challenges and opportunities presented by currently collected data. </p></li></ul><p><strong>Duration:</strong> 60-minutes </p>

<ul><li><p>Return Reason Code R17 </p></li><li><p>Return Reason Code R06 </p></li><li><p>Funds Availability Exemption </p></li><li><p>Written Statement of Unauthorized Debit (WSUD) </p></li></ul><p><strong>Learning Objectives:</strong> </p><ul><li><p>Understand the significant amendments to the Nacha ACH rules and what they mean for your organization. </p></li><li><p>Learn about the compliance mandates and how to ensure your process aligns with the updated regulations. </p></li><li><p>Explore how these changes will affect your ACH transactions. </p></li></ul><p><strong>Duration: </strong>90-minutes </p>

<p><strong>Learning Objectives:</strong> </p><ul><li><p>Understand the significance of the key payment regulations. </p></li><li><p>Learn about the latest trends and developments in payment regulation. </p></li><li><p>Enhance your understanding of the payment regulations to ensure compliance. </p></li></ul><p><strong>Duration: </strong>90-minutes </p>

<p>Learning Objectives:</p><ul><li>Define Mobile RDC and understand how it operates. </li><li>Assess your organization&rsquo;s current Mobile RDC practices and identify potential gaps. </li><li>Explore best practices for managing risks associated with Mobile RDC. </li></ul><p>Duration: 75-minutes</p>

<p>Learning Objectives:</p><ul><li>Understand what Remote Deposit Capture is and how it functions.</li><li>Identify the key regulations impacting RDC, including compliance requirements.</li><li>Explore best practices to ensure your organization maintains compliance.</li></ul><p>Duration: 90-minutes</p>

<p>Take control of your career with negotiation strategies that foster success and influence in your professional life, with skills that are easily transferable to other areas. Gain practical insights on how to strategically ask for what you want, prioritize your needs, articulate your rationale clearly, and successfully close negotiations.</p><p>Key Learning Objectives:</p><ul><li>Understand the concept of leadership and its personal significance.</li><li>Grasp the fundamentals of negotiation and its workplace applications.</li><li>Identify negotiable aspects within your job.</li><li>Learn strategies to prioritize and negotiate for your needs.</li><li>Master the art of closing negotiations successfully.</li><li>Explore key leadership principles.</li></ul><p>Duration: 90-minutes</p>

<p>Learning Objectives:</p><ul><li>Define and understand treasury management.</li><li>Explore treasury management products and their benefits for business clients.</li><li>Recognize the advantages of offering treasury management services.</li></ul><p>Duration: 75-minutes</p>

<p>Participants will learn the dos and don&rsquo;ts of effective bank management, along with practical strategies for enhancing their planning process. This informative session aims to strengthen management skills and elevate overall success in leadership roles.</p><p><strong>Learning Objectives:</strong></p><ul><li>Learn important management tips.</li><li>Differentiate the dos and don&rsquo;ts of bank management.</li><li>Enhance management skills and activities.</li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p>Whether enhancing an existing program or introducing a new one, you will gain valuable insights to enhance your strategies. Additionally, you can receive a deck of cards designed to reinforce the presentation's theme and message, adding an engaging element to the overall experience. This informative session is essential for organizations seeking to improve their customer contact strategies and drive successful outcomes.</p><p><strong>Learning Objectives</strong><strong></strong></p><ul><li>Define your bank&rsquo;s business development program.</li><li>Implement organizational techniques to enhance your contact program.</li><li>Obtain tools for designing and managing a successful contact program.</li></ul><p><strong>Duration: 60-minutes</strong></p>

<p>You&rsquo;ll discover keys to avoid common pitfalls like overused clipart and vague headlines, while mastering the art of creating compelling, results-driven copy. Learn how to develop powerful headlines, structure supporting content, and optimize your messaging to resonate with your target audience. </p><p>The session will also guide you in planning smarter, more impactful advertising by aligning your communications with specific market segments and products, ensuring a high return on your marketing investment. </p><p>Perfect for marketing teams, managers, and committee members, this hands-on how-to session draws directly from successful bank promotions to offer real-world insights you can apply immediately. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Develop effective advertising strategies that drive results. </p></li><li><p>Apply key principles to enhance mass media and direct communications. </p></li><li><p>Optimize marketing investments through strategic planning and targeted execution. </p></li></ul><p><strong>Duration: </strong>60-minutes </p>

<p>You will gain practical tools&mdash;forms, checklists, and actionable strategies&mdash;to simplify implementation at any stage of development and cover key concepts including structure, measurement, accountability, and support. Plus, the foundation for developing and managing a successful sales environment will also be explored. </p><p>It&rsquo;s time to rethink traditional sales approaches and shift your focus products and services to the customer at the core of your strategy. </p><p>Learning Objectives: </p><ul><li><p>Evaluate the effectiveness of your current sales environment. </p></li><li><p>Examine best practices from industry leaders. </p></li><li><p>Develop a strategic framework for building an effective sales environment. </p></li><li><p>Rethink traditional sales strategies and adopt a customer-centric approach. </p></li></ul><p>Duration : 60-minutes </p>

<p>The industry faces numerous challenges and new competitors, but also presents unprecedented opportunities for growth. It&rsquo;s time to build a flexible strategic plan and address critical questions regarding your institution&rsquo;s vision, employee alignment with that vision, cultural and brand consistency, risk identification, and ensuring the right people are in the right roles.</p><p>Whether your institution needs a cohesive strategy or aims to review existing plans, this session will provide valuable insights.</p><p><strong>Key Learning Objectives:</strong></p><ul><li>Define your vision, mission, and core values.</li><li>Identify key components of successful strategies.</li><li>Understand the role of enterprise risk mitigation and management.</li><li>Implement four key growth strategies.</li><li>Establish best practices for board governance.</li><li>Develop the strategic planning process.</li><li>Conduct a strategic risk assessment for new initiatives.</li><li>Integrate your Enterprise Risk Management and talent management programs into your strategic plan.</li></ul><p><strong>Duration:</strong> 90-minutes</p>

<p><strong>Key Learning Objectives:</strong></p><ul><li>Integrate Vendor Management into Enterprise Risk Management and understand its components.</li><li>Develop effective Vendor Management policies and procedures.</li><li>Conduct thorough vendor due diligence.</li><li>Perform vendor risk assessments with practical examples.</li><li>Monitor and report assessment results.</li><li>Define model risk and its impact on your institution.</li><li>Follow OCC SR Letter 11-7 with step-by-step guidance.</li><li>Establish a Model Risk Management Program.</li><li>Identify examples of model risk and their effects.</li><li>Analyze a model risk assessment example.</li></ul><p><strong>Duration:</strong> 90-minutes</p>

<p>To enhance understanding, the curriculum is structured into two distinct parts.</p><p><strong>Part I: Business Continuity Management</strong></p><ul><li>Understand the ERM framework and risk categories.</li><li>Differentiate between Business Continuity Management (BCM) and Business Continuity Plan (BCP).</li><li>Explore the BCM cycle.</li><li>Review governance and leadership responsibilities in BCM.</li><li>Learn about BCM audits.</li><li>Examine BCM elements relative to ERM.</li><li>Identify effective business continuity strategies.</li></ul><p><strong>Part II: Resiliency, BCP, and DRP</strong></p><ul><li>Define &ldquo;resilience of operations&rdquo; mean and how to achieve it.</li><li>Assess the role of third-party service providers in vendor management.</li><li>Understand the definition, elements, and components of a Business Continuity Plan.</li><li>Discuss BCP in relation to incident response, disaster recovery, crisis management, training, and testing.</li><li>Emphasize the importance of testing and appropriate actions based on results.</li></ul><p><strong>Duration:</strong> 90-minutes</p>

<p>This session explores how different generations&mdash;Boomers, Gen X, Millennials, and Gen Z&mdash;are targeted by financial scams and fraud. Additionally, discussions will focus on the common scams each generation is most vulnerable to and participants will gain strategies for educating consumers across age groups on recognizing and avoiding fraud. </p><p>Learning Objectives: </p><ul><li><p>Identify common types of financial scams and fraud. </p></li><li><p>Develop strategies to educate consumers about financial scams and fraud prevention. </p></li><li><p>Learn how to recognize fraud and avoid falling victim to scams. </p></li></ul><p>Duration: 60 minutes </p>

<p><strong>Learning Objectives:</strong> </p><ul><li><p>Understand recent legislative and regulatory changes affecting IRAs, HSAs, and other tax-advantaged savings accounts. </p></li><li><p>Learn how these updates may impact your organization&rsquo;s practices and client strategies. </p></li><li><p>Gain insights on how to effectively navigate and apply these changes to stay compliant and optimize client outcomes. </p></li></ul><p><strong>Duration: </strong>60 minutes </p>

<p>In addition, the seminar will cover key aspects of loan structure, support, and documentation, highlighting their crucial role in the lending process. Participants will also receive an introduction to essential loan compliance requirements, including Reg B, Reg Z, TRID, BSA, and Fair Credit Reporting, ensuring a well-rounded understanding of the regulatory framework that governs lending practices. </p> <p>Learning Objectives: </p> <ul> <li><p>Understand how banks assess lending risk using the five C’s of credit: capacity, capital, collateral, conditions, and character. </p> </li> <li><p>Explore the three main areas of bank lending, consumer, mortgage, and commercial, and apply them to individual case studies. </p> </li> <li><p>Gain a solid foundation in loan structure, support, documentation, and compliance, including key regulations and best practices. </p> </li> </ul> <p>Duration: 90 minutes </p>

<p><strong>Learning Objectives:</strong> </p><ul><li><p>Understand the key provisions of Regulation CC and the rules governing funds availability for financial institutions. </p></li><li><p>Learn best practices for managing ACH transactions, wire transfers, and cash handling while ensuring compliance. </p></li><li><p>Gain practical insights into navigating complex regulatory requirements to effectively manage funds availability and mitigate compliance risks. </p></li></ul><p><strong>Duration: </strong>90 minutes </p>

<p>The session will also address advanced distribution issues, including the frequently discussed Roth IRA &ldquo;loophole.&rdquo; By the end, you'll be equipped with the insights needed to maximize Roth IRA benefits for both clients and your organization. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Understand all aspects of the Roth IRA. </p></li><li><p>Identify the Roth IRA tax advantages, contribution eligibility rules, reporting requirements, portability options, and advanced distribution issues. </p></li><li><p>Examine your current Roth IRA procedures to ensure you maintain compliance. </p></li></ul><p><strong>Duration:</strong> 60 minutes </p>

<p>The session will also address consumer loan compliance requirements, including Reg B, Reg Z, TRID, BSA, and Fair Credit Reporting. Plus, case studies will be used to demonstrate how these concepts are applied, providing a well-rounded understanding of consumer lending and regulatory compliance. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Understand the basics of consumer lending, including key processes and practices. </p></li><li><p>Explore effective strategies for marketing consumer loans and attracting borrowers. </p></li><li><p>Learn how banks make lending decisions based on the five C&rsquo;s of credit: capacity, capital, collateral, conditions, and character. </p></li><li><p>Examine the structure, support, and documentation of consumer loans, with practical examples such as auto loans, RV loans, and HELOCs. </p></li><li><p>Apply consumer lending principles through real-world case studies to reinforce learning and decision-making. </p></li></ul><p><strong>Duration: </strong>90 minutes </p>

<p>You&rsquo;ll walk away with actionable insights and practical tools to help your financial institution maximize its social media impact and strengthen its online presence. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Optimize your bank&rsquo;s social media posts for maximum engagement and impact. </p></li><li><p>Explore effective methods for educating consumers about your bank&rsquo;s products and services through social media. </p></li><li><p>Identify common fraud schemes and scams to raise awareness and protect your customers. </p></li></ul><p><strong>Duration: </strong>90 minutes </p>

<p>Designed for those involved in consumer, mortgage, and commercial lending, this session will break down aspects of tax documents to ensure accurate assessments and informed decision-making. </p> <p>This webinar is divided into two distinct parts to provide a structured approach, allowing for easier mastery and comprehension of both personal and business tax return analysis. </p> <p>Part One Learning Objectives: </p> <ul> <li><p>Review the structure of the personal 1040 federal tax return, including key schedules and K-1 forms. </p> </li> <li><p>Prepare a personal cash flow from information gleaned from the 1040 and related schedules. </p> </li> <li><p>Examine recent tax code changes and their impact on individual borrowers and guarantors. </p> </li> <li><p>Leverage personal tax return data to market the bank’s products and services. </p> </li> </ul> <p>Part Two Learning Objectives: </p> <ul> <li><p>Understand the structure of C corporation, S corporation, and partnership (LLC) tax returns. </p> </li> <li><p>Analyze business tax returns and prepare cash flows for these entities. </p> </li> <li><p>Identify red flags and potential fraud in business tax returns. </p> </li> <li><p>Review tax code updates and proposed legislation impacting businesses. </p> </li> </ul> <p>Duration: 90 minutes </p>

<p>You’ll also learn strategies for maintaining compliance and understand how the pieces fit together to ensure smooth, error-free processing. Stay informed and safeguard your operations by mastering the critical rules that impact check transactions. </p> <p>Learning Objectives: </p> <ul> <li><p>Understand the key laws and regulations governing check processing. </p> </li> <li><p>Identify effective strategies for ensuring compliance in check transactions. </p> </li> <li><p>Gain an overview of the rules and regulations faced by check participants in daily processing. </p> </li> </ul> <p>Duration: 90 minutes </p>

<p>Topics covered include advanced IRA disclaimers, distributions to trust beneficiaries, reporting requirements, handling disputes, managing minor beneficiaries, and other compliance concerns. Gain the knowledge and best practices needed to effectively manage beneficiary-related challenges and ensure compliance. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Master the complexities of handling IRA death claims. </p></li><li><p>Learn best practices for managing death claims while minimizing risk. </p></li><li><p>Evaluate and improve your IRA death claim procedures to ensure compliance. </p></li></ul><p><strong>Duration:</strong> 60-minutes </p>

<p>This course will ensure your organization is compliant with current RMD rules, covering topics such as RMD calculations, penalties for excess accumulation, financial organization responsibilities, and reporting requirements. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Master the rules and requirements of Required Minimum Distributions (RMDs). </p></li><li><p>Calculate RMDs, excess accumulation penalties, and understand reporting and organizational responsibilities. </p></li><li><p>Review and optimize your RMD procedures to ensure ongoing compliance. </p></li></ul><p><strong>Duration:</strong> 60 minutes </p>

<p>This session will explore the latest advancements in card technologies, focusing on innovations such as contactless payments, blockchain, tokenization, wearable payments, cryptocurrency, and mobile wallets. Participants will gain insights into how these technologies enhance transaction security, streamline payment processes, and improve user experience. </p> <p>Learning Objectives: </p> <ul> <li><p>Discover the latest advancements in card technologies. </p> </li> <li><p>Understand the payment processes in these advanced card technologies. </p> </li> <li><p>Gain insights into how technologies enhance transaction security. </p> </li> </ul> <p>Duration: 90 minutes </p>

<p>This course addresses these gaps by providing practical insights into common legal challenges, such as powers of attorney, guardianships, creditor claims, beneficiary disputes, and divorce-related matters. Participants will gain a deeper understanding of these issues and learn effective strategies for managing these transactions, helping to mitigate legal and financial risks for their organization. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Identify common legal issues that may arise with IRAs. </p></li><li><p>Manage different types of IRA transactions to help mitigate risk. </p></li><li><p>Understand your role in handling IRA legal issues. </p></li></ul><p><strong>Duration:</strong> 60 minutes </p>

<p>Discussion will also highlight the importance of cross-departmental collaboration&mdash;uniting sales, IT, marketing, and deposit operations to successfully sell and implement business products. Attendees will gain insights into best practices for organizational structure, sales team incentives, and pricing strategies. By the end of the course, you&rsquo;ll be equipped with the tools to boost your bank&rsquo;s treasury management offerings, drive growth, and enhance profitability. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Maximize revenue by leveraging the account analysis statement to cross-sell and identify new fee income opportunities. </p></li><li><p>Gain a comprehensive understanding of available treasury management services and their benefits. </p></li><li><p>Identify value-driven service enhancements that focus on delivering benefits to business customers. </p></li><li><p>Discover the treasury management services your business customers are actively seeking. </p></li><li><p>Tailor offerings to meet the specific needs of different industries. </p></li><li><p>Learn how treasury management teams collaborate with technology, operations, marketing, and sales for success. </p></li><li><p>Implement effective branding and marketing strategies to promote treasury management services. </p></li><li><p>Understand the ideal organizational design for treasury management and how to incentivize sales teams. </p></li><li><p>Develop a streamlined process to efficiently implement treasury management products. </p></li><li><p>Select the right digital payment strategies to meet the needs of business clients. </p></li><li><p>Enhance security by implementing new authentication methods to protect treasury management products. </p></li></ul><p><strong>Duration: </strong>90 minutes </p>

<p><strong>Learning Objectives:</strong> </p><ul><li><p>Gain a foundational understanding of ACH transactions. </p></li><li><p>Learn the process for handling ACH payments. </p></li><li><p>Develop skills to effectively manage ACH disputes and stop payments. </p></li></ul><p><strong>Duration:</strong> 90 minutes </p>

<p>This course covers federal and state withholding requirements, how to inform IRA owners of their withholding rights, how to manage withheld assets, handling withholding for foreign individuals, and the penalties for failing to comply with withholding rules. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Understand IRA withholding rules. </p></li><li><p>Discover the requirements for both federal and state withholding rules. </p></li><li><p>Learn how to handle IRA withholdings to maintain compliance. </p></li></ul><p><strong>Duration:</strong> 60 minutes </p>

<p>Learn to address security situations through interactive sessions and discussions that will inspire new ideas and challenge you to look at security from a new perspective. </p><p>To earn the Certified Community Bank Security Officer (CCBSO) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285. </p><p><strong>Learning Objectives: </strong></p><ul><li><p>Understand what is required of the security officer with regulation H, the supervision of staff, and the training requirements for staff. </p></li><li><p>Sharpen your observation skills and detect potential threats in events happening around you. </p></li><li><p>Distinguish body language in a confrontation and proactively address verbal and potentially physical confrontations. </p></li><li><p>Identify the warning signs a person might show when embezzling. </p></li><li><p>Recognize the dos and don&rsquo;ts as it relates to speaking with the media. </p></li><li><p>Outline the key steps to take in preparing your bank and staff in the event of a robbery. </p></li><li><p>Identify physical security enhancements you can make to improve security at your bank. </p></li><li><p>Understand the methodology required to solve a case using a scientific approach. </p></li><li><p>Recognize when you have a crime scene. </p></li><li><p>Understand the components of conducting an interview after an incident. </p></li><li><p>Institute effective security reporting to your board. </p></li><li><p>Identify specific records to retain for effective security management. </p></li><li><p>Recognize the security gaps when working with cash intensive businesses and onboarding casinos, private ATM operators, or marijuana related businesses. <br /></p></li></ul>

<p>Learn to address security situations through interactive sessions and discussions that will inspire new ideas and challenge you to look at security from a new perspective. </p><p>To earn the Certified Community Bank Security Officer (CCBSO) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285. </p><p><strong>Learning Objectives: </strong></p><ul><li><p>Understand what is required of the security officer with regulation H, the supervision of staff, and the training requirements for staff. </p></li><li><p>Sharpen your observation skills and detect potential threats in events happening around you. </p></li><li><p>Distinguish body language in a confrontation and proactively address verbal and potentially physical confrontations. </p></li><li><p>Identify the warning signs a person might show when embezzling. </p></li><li><p>Recognize the dos and don&rsquo;ts as it relates to speaking with the media. </p></li><li><p>Outline the key steps to take in preparing your bank and staff in the event of a robbery. </p></li><li><p>Identify physical security enhancements you can make to improve security at your bank. </p></li><li><p>Understand the methodology required to solve a case using a scientific approach. </p></li><li><p>Recognize when you have a crime scene. </p></li><li><p>Understand the components of conducting an interview after an incident. </p></li><li><p>Institute effective security reporting to your board. </p></li><li><p>Identify specific records to retain for effective security management. </p></li><li><p>Recognize the security gaps when working with cash intensive businesses and onboarding casinos, private ATM operators, or marijuana related businesses. <br /></p></li></ul>

<p>Gain in-depth knowledge, resources, and peer networks to effectively manage your BSA/AML function or audit this function properly. This comprehensive training covers the primary requirements of each segment of the regulation and offers guidance on best practice expectations in each area. </p><p>To earn the Certified BSA/AML Professional (CBAP) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285. </p><p>Learning Objectives: </p><ul><li><p>Review Bank Secrecy Act and Anti-Money Laundering program requirements, including emerging trends and industry observations. </p></li><li><p>Analyze traditional financial recordkeeping elements of currency transactions, monetary instrument sales, and funds transfers. </p></li><li><p>Take a comprehensive look at the CTR and SAR forms, including filing scenarios and dynamic &ldquo;should you file&rdquo; discussions. </p></li><li><p>Study Customer Identification Program (CIP) requirements including the Customer Due Diligence and Beneficial Ownership requirements. </p></li><li><p>Discuss high-risk customer monitoring tactics-including an in-depth look at account ownership expectations, enhanced account review, and OFAC compliance. </p></li><li><p>Review key suspicious activity monitoring program components. </p></li><li><p>Identify techniques to improve your BSA risk assessment to address all business lines and risk exposures at various levels within your bank. </p></li></ul>

<p>Gain in-depth knowledge, resources, and peer networks to effectively manage your BSA/AML function or audit this function properly. This comprehensive training covers the primary requirements of each segment of the regulation and offers guidance on best practice expectations in each area. </p><p>To earn the Certified BSA/AML Professional (CBAP) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285. </p><p>Learning Objectives: </p><ul><li><p>Review Bank Secrecy Act and Anti-Money Laundering program requirements, including emerging trends and industry observations. </p></li><li><p>Analyze traditional financial recordkeeping elements of currency transactions, monetary instrument sales, and funds transfers. </p></li><li><p>Take a comprehensive look at the CTR and SAR forms, including filing scenarios and dynamic &ldquo;should you file&rdquo; discussions. </p></li><li><p>Study Customer Identification Program (CIP) requirements including the Customer Due Diligence and Beneficial Ownership requirements. </p></li><li><p>Discuss high-risk customer monitoring tactics-including an in-depth look at account ownership expectations, enhanced account review, and OFAC compliance. </p></li><li><p>Review key suspicious activity monitoring program components. </p></li><li><p>Identify techniques to improve your BSA risk assessment to address all business lines and risk exposures at various levels within your bank. </p></li></ul>

<p>Gain in-depth knowledge, resources, and peer networks to effectively manage your BSA/AML function or audit this function properly. This comprehensive training covers the primary requirements of each segment of the regulation and offers guidance on best practice expectations in each area. </p><p>To earn the Certified BSA/AML Professional (CBAP) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285.<br /></p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Review Bank Secrecy Act and Anti-Money Laundering program requirements, including emerging trends and industry observations. </p></li><li><p>Analyze traditional financial recordkeeping elements of currency transactions, monetary instrument sales, and funds transfers. </p></li><li><p>Take a comprehensive look at the CTR and SAR forms, including filing scenarios and dynamic &ldquo;should you file&rdquo; discussions. </p></li><li><p>Study Customer Identification Program (CIP) requirements including the Customer Due Diligence and Beneficial Ownership requirements. </p></li><li><p>Discuss high-risk customer monitoring tactics-including an in-depth look at account ownership expectations, enhanced account review, and OFAC compliance. </p></li><li><p>Review key suspicious activity monitoring program components. </p></li><li><p>Identify techniques to improve your BSA risk assessment to address all business lines and risk exposures at various levels within your bank. </p></li></ul>

<p>ICBA's Commercial Lending Institute teaches you a comprehensive understanding of the complex and multifaceted commercial lending process. From navigating intricate credit evaluations to addressing regulatory and legal considerations, commercial lending requires a keen eye for detail and strategic thinking. </p><p>This program will give you the knowledge and tools to identify and analyze opportunities, assess and mitigate risks, and effectively structure and manage commercial loans. You'll also gain new insights that will help you build strong client relationships and lead credit-focused, high-value conversations with commercial borrowers. </p><p>To earn the Certified Commercial Loan Officer (CCLO) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Master the 5 Cs of credit (character; capacity/cash flow; capital; conditions; and collateral) to evaluate potential borrowers effectively. </p></li><li><p>Review commercial lending products. </p></li><li><p>Understand the whole credit process cycle from the loan application to loan monitoring. </p></li><li><p>Understand credit risk and its impact on lending decisions. </p></li><li><p>Learn to identify potential compliance and legal challenges and the strategies to mitigate them. </p></li></ul>

<p>This high-quality program provides a fast-paced learning environment that will lead to a detailed study of the relevant areas of regulatory compliance with a focus on the key concepts that spell success in the examination context. </p><p>Each regulation is approached in terms of the requirements, best practice internal controls, and audit objectives. Learning is reinforced with many sample disclosures, applicability charts, and illustrative quizzes and exercises. </p><p>The program addresses current hot issues and areas of focus in regulatory compliance. Deep dives into the common challenges related to recent regulatory reform will be covered and the latest guidance and interpretations on all recent rule-making efforts will be discussed. </p><p>This solid foundation allows the attendee to return to their bank and support their product and service offerings and remain competitive in their marketplace. </p><p>To earn the Certified Community Bank Compliance Officer (CCBCO) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exams. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Understand the key elements of a bank&rsquo;s compliance management program. </p></li><li><p>Understand the fundamental and disclosure requirements of bank lending regulations including Reg Z, RESPA, HMDA, SAFE Act, Military Lending Regulations, Homeownership Counseling Act, and flood insurance compliance. </p></li><li><p>Identify fair lending practices and data collection/reporting requirements as outlined in ECOA/Reg B, FCRA, CRA, HMDA, and Fair Housing Act. </p></li><li><p>Outline the key privacy requirements banks must follow under Reg P including the Sections 13, 14, and 15 information-sharing exceptions. </p></li><li><p>Associate deposit account disclosure requirements with the appropriate regulations including Reg CC, Reg DD, and Reg E </p></li><li><p>Identify disclosure requirements and permissible activities under Right to Financial Privacy Act, Consumer Sales of Insurance, and Non-Deposit Investment Products. </p></li><li><p>Understand the risk exposure and mitigation steps banks may take to manage UDAAP compliance for the bank. </p></li><li><p>Recognize compliance risks and disclosure requirements in advertising and marketing activities by a bank. </p></li></ul>

<p>This high-quality program provides a fast-paced learning environment that will lead to a detailed study of the relevant areas of regulatory compliance with a focus on the key concepts that spell success in the examination context. </p><p>Each regulation is approached in terms of the requirements, best practice internal controls, and audit objectives. Learning is reinforced with many sample disclosures, applicability charts, and illustrative quizzes and exercises. </p><p>The program addresses current hot issues and areas of focus in regulatory compliance. Deep dives into the common challenges related to recent regulatory reform will be covered and the latest guidance and interpretations on all recent rule-making efforts will be discussed. </p><p>This solid foundation allows the attendee to return to their bank and support their product and service offerings and remain competitive in their marketplace. </p><p>To earn the Certified Community Bank Compliance Officer (CCBCO) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exams. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Understand the key elements of a bank&rsquo;s compliance management program. </p></li><li><p>Understand the fundamental and disclosure requirements of bank lending regulations including Reg Z, RESPA, HMDA, SAFE Act, Military Lending Regulations, Homeownership Counseling Act, and flood insurance compliance. </p></li><li><p>Identify fair lending practices and data collection/reporting requirements as outlined in ECOA/Reg B, FCRA, CRA, HMDA, and Fair Housing Act. </p></li><li><p>Outline the key privacy requirements banks must follow under Reg P including the Sections 13, 14, and 15 information-sharing exceptions. </p></li><li><p>Associate deposit account disclosure requirements with the appropriate regulations including Reg CC, Reg DD, and Reg E </p></li><li><p>Identify disclosure requirements and permissible activities under Right to Financial Privacy Act, Consumer Sales of Insurance, and Non-Deposit Investment Products. </p></li><li><p>Understand the risk exposure and mitigation steps banks may take to manage UDAAP compliance for the bank. </p></li><li><p>Recognize compliance risks and disclosure requirements in advertising and marketing activities by a bank. </p></li></ul>

<p>To earn the Certified Community Bank Consumer Lender (CCBCL) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Consumer banking overview, lending application and underwriting </p></li><li><p>Consumer underwriting-tax returns, scoring and credit analysis </p></li><li><p>Credit report analysis </p></li><li><p>Consumer lending-structure, documentation, pricing, compliance and collections </p></li><li><p>Consumer products-direct lending, indirect lending and deposit </p></li><li><p>Portfolio management-credit quality issues </p></li></ul>

<p>Through group discussion, case studies, workout plans and more, our industry experts will teach you the most important skills needed to perform your duties and advance your career as a credit analyst. </p><p>To earn the Certified Community Bank Credit Analyst (CCBCA) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285. </p><p><strong>Learning Objectives: </strong></p><ul><li><p>Understand key functions such as financial analysis, overall business risk, and customer relationship needs. </p></li><li><p>Be aware of legal landmines and exposures in your credit memo. </p></li><li><p>Identify strategic strengths and weaknesses of a credit request. </p></li><li><p>Enrich your understanding of covenant tracking and loan file documentation requirements. </p></li><li><p>Learn to stay ahead of potential compliance exposures in your credit portfolio. </p></li><li><p>Develop financial, analytical, and business writing skills. </p></li></ul>

<p>Through group discussion, case studies, workout plans and more, our industry experts will teach you the most important skills needed to perform your duties and advance your career as a credit analyst. </p><p>To earn the Certified Community Bank Credit Analyst (CCBCA) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285. </p><p><strong>Learning Objectives: </strong></p><ul><li><p>Understand key functions such as financial analysis, overall business risk, and customer relationship needs. </p></li><li><p>Be aware of legal landmines and exposures in your credit memo. </p></li><li><p>Identify strategic strengths and weaknesses of a credit request. </p></li><li><p>Enrich your understanding of covenant tracking and loan file documentation requirements. </p></li><li><p>Learn to stay ahead of potential compliance exposures in your credit portfolio. </p></li><li><p>Develop financial, analytical, and business writing skills. </p></li></ul>

<p>This institute is designed for individuals experienced in banking but new to ERM, as well as for banks in the initial stages of developing an ERM program. </p><p>This training provides a comprehensive and practical approach, equipping you with valuable knowledge, skills, and strategies to enhance your organization's risk management practices and ensure compliance with regulatory expectations. Join us to gain the necessary tools and insights to effectively navigate the complex world of enterprise risk management in the community banking sector.</p><p>To earn the Certified Community Bank Risk Specialist (CCBRS) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285.</p><p><strong>Learning Objectives:</strong></p><ul><li><p>Understand the fundamentals of Enterprise Risk Management (ERM), including its purpose, significance, and regulatory pressures driving its adoption. </p></li><li><p>Identify the key components of ERM, such as risk categories, frameworks, and integration within the three lines of defense. </p></li><li><p>Recognize and assess enterprise-level risks faced by financial institutions. </p></li><li><p>Apply best practices to manage and mitigate enterprise-level risks. </p></li><li><p>Develop a Risk Appetite Statement (RAS) aligned with risk culture, strategic plans, and policies. </p></li><li><p>Construct key performance indicators (KPIs), key risk indicators (KRIs), and a risk dashboard. </p></li><li><p>Understand the reporting and management aspects of an ERM program. </p></li><li><p>Implement best practices for running a successful ERM program. </p></li></ul>

<p>Examine liquidity versus solvency issues, management strength, industry strength, as well as types of credit risk. </p><p>Learn how to identify early warning indicators that a borrower could be in trouble and see how you can develop an action plan with the goal of returning the client to a pass status or minimizing the loss to both the client and the bank.</p><p><strong>Learning Objectives:</strong><br /></p><ul><li>Through portfolio analysis learn to identify where problem loans could arise.</li><li>Learn how a review process can mitigate loan losses and help your customers.</li><li>Develop an action plan that you can put to use immediately.</li></ul>

<p><strong>Learning Objectives:</strong> </p><ul><li><p>Learn how to move the customer from prospect to client organizing the lender and their team through the process. </p></li><li><p>Assessing and collecting the correct financial information for the type of financing requested. </p></li><li><p>Understanding basic financial statement analysis and credit risk. </p></li><li><p>Preparing for closing, the right documents for the right type of financing. </p></li><li><p>Understanding the importance of post-closing monitoring to catch early warning signs of credit deterioration. </p></li></ul>

<p>Learn to identify risks and protect your community bank's reputation and assets. Review trending fraud schemes, situations that can give rise to internal and external fraud, fraud red flags, and much more. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Review situations that can lead to fraud. </p></li><li><p>Understand how you can detect and prevent financial crime. </p></li><li><p>Be able to identify types of fraud schemes and how to protect your bank and its customers. </p></li></ul>

<p>This fast-paced course will challenge your understanding of credit review in today's banking environment. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Identify the elements of an effective loan review process. </p></li><li><p>Gain familiarity with risk rating systems. </p></li><li><p>Know how to conduct basic cash flow analysis. </p></li><li><p>Understand and improve credit write-ups. </p></li><li><p>Learn how to conduct appraisal reviews. </p></li><li><p>Know the hallmarks of problem loans. </p></li></ul><p>Receive $100 off when you <a href="https://myicba.icba.org/eweb/dynamicpage.aspx?webcode=CSCBundles&amp;Action=Add&amp;cst_key=00000000-0000-0000-0000-000000000000&amp;ObjectKeyFrom=1A83491A-9853-4C87-86A4-F7D95601C2E2&amp;DoNotSave=Yes&amp;DoNotAdd=Yes&amp;ParentObject=CentralizedOrderEntry&amp;ParentDataObject=Order%20Entry%20Bundle&amp;key=0B51D800-2C14-4478-9DEE-B437344348CD&amp;Site=ICBA">register for both</a> the<a href="https://myicba.icba.org/eweb/dynamicpage.aspx?webcode=CSCBundles&amp;Action=Add&amp;cst_key=00000000-0000-0000-0000-000000000000&amp;ObjectKeyFrom=1A83491A-9853-4C87-86A4-F7D95601C2E2&amp;DoNotSave=Yes&amp;DoNotAdd=Yes&amp;ParentObject=CentralizedOrderEntry&amp;ParentDataObject=Order%20Entry%20Bundle&amp;key=0B51D800-2C14-4478-9DEE-B437344348CD&amp;Site=ICBA"> Loan Review and </a><a href="https://www.icba.org/events/details/2025/04/24/education/advanced-loan-review-seminar">Advanced Loan Review</a> sessions! <br /></p>

<p><strong>This is a foundational class that does require experience in understanding financial statements, basic loan structuring as well as credit analysis skills.</strong> </p><p>Participants will review in detail, the new construction process, title work, appraisals, environment reports, draw requests, and early warning signs of trouble in your project or borrower. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Introduction to various real estate types and the risk they carry. </p></li><li><p>Understanding the financial information that borrowers provide as well as the various documents that you are required to have to completely review the project. </p></li><li><p>How to develop an organized process to correctly stage the underwriting, analysis and receipt of title work, appraisal, and other documents needed to successfully complete the financing. </p></li><li><p>How to build the right financing structure to mitigate and balance the risk between the borrower and the bank. </p></li><li><p>Real estate lending pitfalls to avoid. </p></li><li><p>How to manage the draw process in new construction. </p></li><li><p>Understand the proper structure and control of land development projects. </p></li><li><p>Become familiar with the various ownership structures that you will see in real estate ventures. </p></li><li><p>Exposure to early warning signs that the cash generating real estate may be in trouble. </p></li></ul>

<p>By understanding the linkage between the bank balance sheet and income statement, monitoring key measurements in the bank as well as the decisions that management is making in response to the economic marketplace, we can effectively assess the strengths and weaknesses in our bank. </p><p>Once these interrelationships are understood, participants will walk through the CAMELS Rating to predict where their bank may score. Lastly, we will look at a way to create future budgets using the starting point of the Return on Assets. </p><p>This is a foundational class that does require experience in understanding financial statements, particularly experience in reviewing income statements, balance sheets and basic ratio analysis. It is most helpful for those either in bank management, on a bank board or aspiring to future leadership roles in the bank. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Complete a pre-session assignment that reviews your bank's financial statements to get a feel for the condition of the bank. </p></li><li><p>Discuss the existing marketplace, and the impacts they are currently seeing, as well as management's approaches to addressing the impacts. </p></li><li><p>Review the Balance Sheet and Income Statement of a bank to build an expectation of the interrelationships that exist in financial institution statements. </p></li><li><p>Measure and set key financial statement ratios to assess the condition of the bank as well as to understand what decisions will be required to improve the performance of the bank. </p></li><li><p>Apply information from the financial statements to build a CAMELS Rating for your bank </p></li><li><p>Be exposed to building an annual budget with an ROA Tree model. </p></li></ul>

<p>Whether you are a seasoned HR professional or you've recently taken on the role, gain the necessary information to handle the most important legal and emerging issues at your bank. </p><p>Review critical HR requirements that all community bank HR professionals must know. Leave with practical advice, guidance, and key strategies to ensure effective and compliant management of employee and employer requirements.</p>

<p>Community banks may outsource a service, but they cannot outsource the responsibility. In a financial environment wrought with strong enforcement actions, rising regulatory expectations, and massive data breaches, community banks must understand and manage a secure network of relationships to ensure customer data, bank transactions, business activity, and shareholders are protected. </p><p>Relationships with third-party vendors are commonplace and many provide a strategic advantage; however, the rewards aren't without risk to financial institutions. Intense regulatory scrutiny and variations in third-party service application are challenging the risk management practices utilized by today's community banks. </p><p><strong>Learning Objectives:</strong> </p><p>Participants will examine the vendor management lifecycle and discuss: </p><ul><li><p>Effective strategies for vendor selection. </p></li><li><p>Evaluating risk associated with service providers. </p></li><li><p>Guidelines for structuring your vendor agreements. </p></li><li><p>Methods for monitoring and measuring success of your third-party vendors. </p></li><li><p>Throughout the seminar practical advice and guidance will be shared including: </p></li><li><p>How to remove the guesswork related to employee responsibility and vendor management. </p></li><li><p>Key compliance considerations to monitor service provider relationships. </p></li><li><p>New policy, procedures, and retention strategies. </p></li></ul>

<p>In the last decade, the agriculture field has faced significant headwinds that have stressed many farmers and lenders alike. </p><p>Using the core financial statements, we will structure the analysis and borrower&rsquo;s cash flow to determine the right credit structure when financing is warranted. We will also look at catching the early warning signs of deterioration and what can be done. </p><p><strong>Learning Objectives</strong> </p><p>Understanding Credit Risk </p><ul><li><p>Agriculture Market Risk </p></li><li><p>Agriculture Management Risk </p></li></ul><p>Financial Statement Analysis </p><ul><li><p>Crop/Animal Statements </p></li><li><p>Cash Budgets </p></li></ul><p>Liquidity Management </p><ul><li><p>Guarantor Analysis </p></li><li><p>Sensitivity/Stress Tests </p></li></ul><p>Agriculture Cash Flow Analysis </p><ul><li><p>Operational Cash Flow </p></li><li><p>Global Cash Flow </p></li><li><p>Coverage Issues </p></li></ul><p>Developing the Right Credit Structure </p><ul><li><p>Seasonal Lines </p></li><li><p>Term Loans </p></li><li><p>Carry Over Loans </p></li></ul><p>Early Warning Signs of Deterioration </p><ul><li><p>Systemic Market Issues </p></li><li><p>Management Issues </p></li></ul>

<p>Examine liquidity versus solvency issues, management strength, industry strength, as well as types of credit risk. </p><p>Learn how to identify early warning indicators that a borrower could be in trouble and see how you can develop an action plan with the goal of returning the client to a pass status or minimizing the loss to both the client and the bank.</p><p><strong>Learning Objectives:</strong><br /></p><ul><li>Through portfolio analysis learn to identify where problem loans could arise.</li><li>Learn how a review process can mitigate loan losses and help your customers.</li><li>Develop an action plan that you can put to use immediately.</li></ul>

<p>Led by Greyson Tuck, in this interactive session you will cover key responsibilities, regulatory expectations, risk management strategies and best practices for providing oversight and supporting your community bank leadership. Whether you are new to the boardroom or a seasoned director, attend for real world strategies and practical tools to add value to your community bank.</p>

<p>Be prepared to build your CFO network with plenty of networking opportunities and peer-to-peer collaboration throughout the event. High-performing banks include their CFO as a critical strategic business partner across the financial institution. Such evolution has encouraged the transformation of the CFO from solely traditional tax functions to now include analysis of big data, technology systems, and efficiency strategies. </p>

<p>Learn to identify risks and protect your community bank's reputation and assets. Review trending fraud schemes, situations that can give rise to internal and external fraud, fraud red flags, and much more. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Review situations that can lead to fraud. </p></li><li><p>Understand how you can detect and prevent financial crime. </p></li><li><p>Be able to identify types of fraud schemes and how to protect your bank and its customers. </p></li></ul>

<p>Join us and learn about the areas of auditing business risks, technical environment auditing, auditing the human element, and overall governance. </p><p><strong>Learning Objectives: </strong></p><ul><li><p>Gain proven in-action methods for auditing business risks. </p></li><li><p>Build skills that will help you master auditing the technical environment. </p></li><li><p>Practice winning strategies that account for the human element of auditing, plus overall governance. </p></li></ul>

<p><strong>Learning Objectives:</strong></p><ul><li>Understand the Treasury Management services available in the market.</li><li>Identify Treasury Management services your business customers are asking for and which services you need to offer to businesses based on industry.</li><li>Understand the ideal organizational design for Treasury Management services for your institution.</li><li>Implement ideas on how to market and brand your Treasury Management services.</li><li>Choose the right digital payment strategy for businesses.</li></ul>

<p>To help explain the requirements, detailed examples are provided and there is an opportunity to ask questions specific to your situation. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Line-item detail review of the Call Report with an emphasis on those areas most pertinent to community banks. </p></li><li><p>Review of form FFIEC 041 and 051 related instructions. </p></li><li><p>Review of Schedule RC-R, Regulatory Capital, and the capital conservation buffer. </p></li><li><p>Recent revisions of the Call Report and the implications. </p></li><li><p>Review of call report general instructions, line-item instructions, and other resources. </p></li><li><p>Accounting pronouncements and their effect on the Call Report. </p></li><li><p>Discussions regarding an efficient preparation of the Call Report. </p></li><li><p>Discussion of common errors and their resolution. </p></li><li><p>Sufficient time for questions and answers. </p></li></ul><p>Register for both the Call Report and <a href="https://www.icba.org/events/details/2025/05/14/education/advanced-call-report-seminar" target="_blank" rel="noreferrer noopener">Advanced Call Report</a> Seminars and save $100! <a href="https://myicba.icba.org/eweb/dynamicpage.aspx?webcode=CSCBundles&amp;Action=Add&amp;cst_key=00000000-0000-0000-0000-000000000000&amp;ObjectKeyFrom=1A83491A-9853-4C87-86A4-F7D95601C2E2&amp;DoNotSave=Yes&amp;DoNotAdd=Yes&amp;ParentObject=CentralizedOrderEntry&amp;ParentDataObject=Order%20Entry%20Bundle&amp;key=06FC3A5C-110E-455F-8335-E76D20E2DF69">Click here to register for both</a>.</p>

<p>During this course, attendees will take a deeper dive into the more complex areas of the current call report including: </p><ul><li><p>A review of the more complex aspects of loan reporting on Schedule RC-C, RC-L, RC-N, and RC-M.</p></li></ul><p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">A comprehensive discussion of regulatory capital and Schedule RC-R including:</span></p><ul><li><p>A discussion of how to review your call report and how to understand and leverage the data contained in your call report filing. </p></li><li><p>A discussion of the proposed streamlined call report revisions that will affect 90 percent of all institutions that file Call Reports. </p></li><li><p>In addition, this class will include an overview of the Federal Reserve FR Y series reports including: </p></li><li><p>FR Y-9SP: Parent Company Only Financial Statements for Small Holding Companies </p></li><li><p>FR Y-9LP: Parent Company Only Financial Statements for Large Holding Companies </p></li><li><p>FR Y-9C: Consolidated Financial Statements for Holding Companies </p></li><li><p>FR Y-11: Financial Statements of Nonbank Subsidiaries </p></li><li><p>FR Y-10: Changes in Organizational Structure </p></li><li><p>FR Y-8: Section 23A Transaction with Affiliates </p></li><li><p>FR Y-6: Annual Report of Holding Companies </p></li><li><p>FR Y-3: Application to Acquire an Additional Bank or Holding Company</p></li></ul><p>Register for both the <a href="https://www.icba.org/events/details/2025/05/13/education/introduction-to-call-report-seminar">Call Report</a> and&nbsp;Advanced Call Report&nbsp;Seminars and save $100! <a href="https://myicba.icba.org/eweb/dynamicpage.aspx?webcode=CSCBundles&amp;Action=Add&amp;cst_key=00000000-0000-0000-0000-000000000000&amp;ObjectKeyFrom=1A83491A-9853-4C87-86A4-F7D95601C2E2&amp;DoNotSave=Yes&amp;DoNotAdd=Yes&amp;ParentObject=CentralizedOrderEntry&amp;ParentDataObject=Order%20Entry%20Bundle&amp;key=06FC3A5C-110E-455F-8335-E76D20E2DF69">Click here to register for both.</a>&nbsp;</p><p>&nbsp;</p>

<p>Through practical applications for the community bank, learn how you can make a positive impact on your bank's bottom line and improve loan decision making. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Review accounting principles and financial statement construction. </p></li><li><p>Discuss necessary reclassification of income on financial statements. </p></li><li><p>Become familiar with the Financial Analysis Process. </p></li><li><p>Review key financial ratios used to assess borrower performance. </p></li></ul><p>Use the discount code MULTI_CFSA and receive $100 off when you register for both the Financial Statement Analysis and <a href="https://www.icba.org/events/details/2025/05/07/education/cash-flow-analysis-seminar" target="_blank" rel="noreferrer noopener">Cash Flow Analysis</a> sessions! </p>

<p>Understand the mechanics of cash flow analysis and its use in determining a business' ability to repay. This seminar will increase awareness of cash flow analysis tools and develop your confidence in the use of the tools. </p> <ul> <li><p>Understanding the business of the business. </p> </li> <li><p>Types of cash flow analysis. </p> </li> <li><p>Cash flow mechanics. </p> </li> <li><p>Cash flow analysis. </p> </li> </ul>

<p><strong>Learning Objectives</strong> </p><ul><li><p>Move beyond the calculations and gain a thorough understanding of credit administration review. </p></li><li><p>Analyze enhanced credit risk monitoring (stress testing, concentrations of credit). </p></li><li><p>Understand global cash flow analysis. </p></li><li><p>Review agricultural credit.</p></li><li><p>Perform collateral valuation updates. </p></li><li><p>Examine advanced problem loan management. </p></li><li><p>Navigate regulatory enforcement actions.</p></li></ul>

<p>In the last decade, the agriculture field has faced significant headwinds that have stressed many farmers and lenders alike. </p><p>Using the core financial statements, we will structure the analysis and borrower&rsquo;s cash flow to determine the right credit structure when financing is warranted. We will also look at catching the early warning signs of deterioration and what can be done. </p><p><strong>Learning Objectives</strong> </p><p>Understanding Credit Risk </p><ul><li><p>Agriculture Market Risk </p></li><li><p>Agriculture Management Risk </p></li></ul><p>Financial Statement Analysis </p><ul><li><p>Crop/Animal Statements </p></li><li><p>Cash Budgets </p></li></ul><p>Liquidity Management </p><ul><li><p>Guarantor Analysis </p></li><li><p>Sensitivity/Stress Tests </p></li></ul><p>Agriculture Cash Flow Analysis </p><ul><li><p>Operational Cash Flow </p></li><li><p>Global Cash Flow </p></li><li><p>Coverage Issues </p></li></ul><p>Developing the Right Credit Structure </p><ul><li><p>Seasonal Lines </p></li><li><p>Term Loans </p></li><li><p>Carry Over Loans </p></li></ul><p>Early Warning Signs of Deterioration </p><ul><li><p>Systemic Market Issues </p></li><li><p>Management Issues </p></li></ul>

<p>The curriculum is designed to provide tools and step-by-step procedures to establish and maintain an effective internal audit function within a community bank. Areas covered include auditing basics, internal auditing working papers, auditing liabilities and other activities, auditing assets, and bank information systems auditing. </p><p>Unique to this institute is a pre-recorded session, digitally delivered to attendees to begin their learning prior to attending the institute. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Understand the role of internal audit and the key elements of a bank&rsquo;s audit program. </p></li><li><p>Define internal controls and the methods of testing internal controls. </p></li><li><p>Outline what should be included in your internal audit charter. </p></li><li><p>Identify common fraud losses affecting banks and who commits fraud. </p></li><li><p>Determine how your audit function should be structured for appropriate governance over IT. </p></li><li><p>Learn how your organization can appropriately assess risks and understand the requirements when performing risk assessments. </p></li><li><p>Distinguish between the types of data analytics and tools used for effective review. </p></li><li><p>Understand the processes for auditing liabilities and assets. </p></li><li><p>And more! </p></li></ul>

<p>The curriculum is designed to provide tools and step-by-step procedures to establish and maintain an effective internal audit function within a community bank. Areas covered include auditing basics, internal auditing working papers, auditing liabilities and other activities, auditing assets, and bank information systems auditing. </p><p>Unique to this institute is a pre-recorded session, digitally delivered to attendees to begin their learning prior to attending the institute. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Understand the role of internal audit and the key elements of a bank&rsquo;s audit program. </p></li><li><p>Define internal controls and the methods of testing internal controls. </p></li><li><p>Outline what should be included in your internal audit charter. </p></li><li><p>Identify common fraud losses affecting banks and who commits fraud. </p></li><li><p>Determine how your audit function should be structured for appropriate governance over IT. </p></li><li><p>Learn how your organization can appropriately assess risks and understand the requirements when performing risk assessments. </p></li><li><p>Distinguish between the types of data analytics and tools used for effective review. </p></li><li><p>Understand the processes for auditing liabilities and assets. </p></li><li><p>And more! </p></li></ul>

<p>The Introduction to the Call Report Seminar provides a solid foundation by guiding community bankers through the basics of completing the Call Report, with detailed discussion of each section of the call report, key regulatory requirements, best practices, and common reporting errors. </p><p>Building on this foundation, the Advanced Call Report Seminar dives deeper into complex topics, such as regulatory capital, Schedule RC-R, and reporting strategies. Together, these seminars will give you a comprehensive understanding of the Call Report and enhance your ability to navigate its complexities with confidence. </p><h4><strong>Learning Objectives </strong></h4><p><strong>Introduction to Call Report Seminar </strong></p><ul><li><p>Line-item detail review of the Call Report with an emphasis on those areas most pertinent to community banks. </p></li><li><p>Review of Schedule RC-R, Regulatory Capital, and the capital conservation buffer. </p></li><li><p>Recent revisions of the Call Report and the implications. </p></li><li><p>Discussion of common errors and their resolution. </p></li><li><p>Review of call report general instructions, line-item instructions, and other resources. </p></li></ul><p><strong>Advanced Call Report Seminar </strong></p><ul><li><p>A review of the more complex aspects of loan reporting on Schedule RC-C, RC-L, RC-N, and RC-M. </p></li><li><p>A comprehensive discussion of regulatory capital and Schedule RC-R. </p></li><li><p>A discussion of how to review your call report and how to understand and leverage the data contained in your call report filing. </p></li><li><p>A discussion of the proposed streamlined call report revisions will affect 90 percent of all institutions that file Call Reports. </p></li><li><p>An overview of the Federal Reserve FR Y series reports. <br /></p></li></ul>

<p>The following topics will be discussed: </p><ul><li><p>Brief introduction to ISO 20022 and how it will be implemented for Fedwire Funds. </p></li><li><p>Timeline for this project. </p></li><li><p>Education tools and documentation that are available to you. </p></li><li><p>Banker Q&amp;A </p></li></ul><p>We want to hear from you! This is your time to ask questions of the Fed experts. </p><p>This session will not be recorded. </p><p><strong>Duration: </strong>60-minutes </p>

<p>The Loan Review Seminar and Advanced Loan Review Seminar are essential for mastering the loan review process in community banks. In the foundational Loan Review Seminar, you'll learn how to structure an effective loan review process, establish policies and procedures for identifying problem credits, and apply consistent loan classification guidelines. </p><p>Building on this foundation, the Advanced Loan Review Seminar takes your skills further. This session addresses complex challenges like computing global cash flows for businesses and guarantors, analyzing portfolio concentrations, and understanding economic trends. Participants will engage in discussions on lending decisions, comparing companies with strong cash flow but weak collateral versus those with weak cash flow but strong collateral. </p><p><strong>Learning Objectives</strong> </p><p><strong>Loan Review Seminar</strong> </p><ul><li><p>Identify the elements of an effective loan review process. </p></li><li><p>Gain familiarity with risk rating systems. </p></li><li><p>Know how to conduct basic cash flow analysis. </p></li><li><p>Understand and improve credit write-ups. </p></li><li><p>Learn how to conduct appraisal reviews. </p></li><li><p>Know the hallmarks of problem loans. </p></li></ul><p><strong>Advanced Loan Review Seminar</strong> </p><ul><li><p>Move beyond the calculations and gain a thorough understanding of credit administration review. </p></li><li><p>Analyze enhanced credit risk monitoring (stress testing, concentrations of credit). </p></li><li><p>Understand global cash flow analysis. </p></li><li><p>Review agricultural credit. </p></li><li><p>Perform collateral valuation updates. </p></li><li><p>Examine advanced problem loan management. </p></li><li><p>Navigate regulatory enforcement actions. </p></li></ul>

<p>The Financial Statement Analysis Seminar provides the foundation for understanding the Cash Flow Analysis Seminar, offering a thorough approach to evaluating a borrower's financial health. Participants learn to analyze financial statements, understand accountant roles, and calculate key ratios, all crucial for credit decision-making. By examining real-life scenarios, community bankers can improve loan decisions and impact their bank's bottom line. </p><p>Building on this foundation, the Cash Flow Analysis Seminar focuses on the importance of cash in loan repayment. It covers how to construct cash flow statements and their role in credit analysis, providing tools to assess a business's ability to repay loans. This seminar enhances familiarity with cash flow analysis tools, boosting confidence in evaluating a business&rsquo;s financial viability. Together, both seminars equip bankers with the knowledge and skills to make more informed, effective lending decisions. </p><p>Learning Objectives </p><p>Financial Statement Analysis Seminar </p><ul><li><p>Review accounting principles and financial statement construction. </p></li><li><p>Discuss necessary reclassification of income on financial statements. </p></li><li><p>Become familiar with the Financial Analysis Process. </p></li><li><p>Review key financial ratios used to assess borrower performance. </p></li></ul><p>Cash Flow Analysis Seminar </p><ul><li><p>Understanding the business of the business. </p></li><li><p>Types of cash flow analysis. </p></li><li><p>Cash flow mechanics. </p></li><li><p>Cash flow analysis. </p></li></ul>

<p><strong>Learning Objectives:</strong> </p><ul><li><p>Defining the nature of the continuity and DR impacts that third parties can have on you. </p></li><li><p>Identifying and measuring business requirements related to the availability of a third-party&rsquo;s product or service. </p></li><li><p>Best practices for third-party due diligence and monitoring programs. </p></li><li><p>Reports, certifications, and standards to utilize within your third-party management program. </p></li><li><p>Strategies for dealing with smaller or less-mature service providers. </p></li></ul><p><strong>Duration:</strong> 60-minutes </p>

<p><strong>Learning Objectives:</strong> </p><ul><li><p>Identify the compliance concerns your organization should prioritize. </p></li><li><p>Understand which controls can be used to ensure consistent compliance. </p></li><li><p>How to incorporate regulation technology (RegTech) as part of your compliance strategy. </p></li></ul><p><strong>Duration:</strong> 60-minutes </p>

<p><strong>Learning Objectives:</strong> </p><ul><li><p>Identify areas that commonly receive regulatory criticism and violations. </p></li><li><p>Learn to identify and remediate gaps in your compliance programs. </p></li><li><p>Explore steps you can take to mitigate risk of noncompliance. </p></li></ul><p><strong>Duration: </strong>60-minutes </p>

<p>Dive into recent trends in ransomware&mdash;looking at where it is now, where it&rsquo;s going, and steps you can take to protect your organization. From detection and prevention strategies to effective response procedures, we&rsquo;ll detail what you can do to secure your systems before attacks happen, and what you need to do during an attack to contain and mitigate damage.</p><p><strong>Learning Objectives:</strong></p><ul><li>Understand what happens to your data when you get attacked.</li><li>Learn about where malicious actors sell your information.</li><li>Strategies to prevent a ransomware attack.</li><li>How to detect ransomware attacks before they happen.</li><li>How to contain and respond to an attack if malicious actors succeed in infiltrating your systems.</li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p><strong>Learning Objectives:</strong></p><ul><li>Identify various capital raising strategies for community banks.</li><li>Analyze the business and legal implications of each capital raising option.</li><li>Evaluate the suitability of different methods based on specific banking needs.</li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p><strong>Learning Objectives:</strong> </p><ul><li><p>Learn cybersecurity trends, hot topics, and regulatory focus areas. </p></li><li><p>Define the board&rsquo;s role when it comes to cybersecurity, and what objectives they should focus on. </p></li><li><p>Evaluate what actions your institution can take to minimize risk. </p></li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p>This session will focus on:</p><ul><li>"In the News&rdquo;: Security and compliance risks.</li><li>Key security and compliance risks of focus.</li><li>Vendor risk management and use-cases from your third parties.</li><li>Secure development and management.</li><li>Strategic implementation of AI: <ul style="margin-left:30px;"><li>Align AI strategy with clear business objectives, derived from the existing business strategy.</li><li>Prioritize use cases based on core competencies, customer needs, and industry trends.</li><li>Understand key risks and mitigating strategies of AI.</li><li>Using the AI Risk Management Framework.</li><li>Understanding the useability of AI RMF v 1.0.</li><li>Modeling and leveraging the govern, map, measure and manage functions.</li></ul></li></ul><p><strong>Learning Objectives:</strong></p><ul><li>Get a sense of today&rsquo;s AI threat landscape.</li><li>Understand key risks and opportunities for implementing and managing AI.</li><li>Development alignment with business objectives.</li><li>Recognize key regulatory compliance and security risks for implementing AI.</li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p><strong>Learning Objectives:</strong></p><ul><li>Gain the tools necessary to build a better board.</li><li>Understand obligations and how to meet them.</li><li>Identify key corporate governance issues and emerging trends.</li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p><strong>Learning Objectives:</strong></p><ul><li>Discover the challenges for family-owned and closely-held institutions.</li><li>Learn how these challenges relate to each role.</li><li>Discover the opportunities for family-owned and closely-held institutions.</li><li>Learn best practices specific to your type of institution.</li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p>This presentation will address these challenges, providing practical tips and strategies to help outside directors excel. Presented in a clear and accessible manner, this session offers valuable insights to directors at any stage in their career, ensuring they understand what it means to be an exceptional outside director.&nbsp;</p><p><strong>Learning Objectives:</strong> </p><ul><li>Understand your role as an outside bank director. </li><li>Define the multiple factors it takes to be a great outside director. </li><li>Discover practical tips and strategies to become an exceptional outside director. </li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p>This session explores what effective strategic planning looks like for community banks. Learn how to eliminate the fluff and build a planning process that delivers real results.</p><p><strong>Learning Objectives:</strong></p><ul><li>Understand the strategic planning process.</li><li>Acquire specific planning action items to foster accountability at your organization.</li><li>Apply techniques to ensure your strategic planning session is not boring.</li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p>Leading this webinar will be ICBA Chief Marketing Officer (Rob Birgfeld), ICBA Lead Strategist Consumer Campaigns (Bill Hickman), Farmers State Bank President &amp; Chief Credit Officer (Tim Schreiber) and Prairie Community Bank AVP Operation&rsquo;s &amp; Marketing (Kathryn Rosypal). </p><p><strong>In this webinar, we'll:</strong> </p><ul><li><p>Introduce the MRC and why it&rsquo;s a valuable benefit of ICBA membership </p></li><li><p>Showcase the resources available to help you amplify your bank's local story </p></li><li><p>Demonstrate how fellow community bank marketers are using MRC tools to support their local efforts </p></li><li><p>Preview what new MRC tools and assets are in development and when they&rsquo;ll be available to you </p></li></ul><p>Whether you're looking for content to promote Community Banking Month this April or seeking year-round marketing support, this session will show you how to make the most of the MRC. </p><p><strong>Duration: </strong>60-minutes </p>

<p><strong>Understand the Who, What &amp; Why of CRA</strong></p><p>This module serves as an overview of the current CRA rules. We&rsquo;ll review the CRA&rsquo;s background, definitions, requirements for each banks&rsquo; asset size, critical components of the CRA, and what is needed for a successful CRA program.</p><p><strong>Define the CRA Assessment Areas</strong></p><p>Designed to assist banks of all sizes in recognizing the importance of defining CRA assessment areas comprised of whole geographies, which do not reflect illegal discrimination or arbitrarily exclude low and moderate-income geographies.</p><p><strong>Learn How to Capture and Report CRA Activity</strong></p><p>Collecting and reporting community development activities and what qualifies as a Community Development:</p><ul><li>Loan</li><li>Investment</li><li>Service</li></ul><p><strong>Discover Peer Analysis</strong></p><p>Find out what other banks are doing under the current CRA regulation. How is a peer bank defined? Learn how banks are evaluated using peer bank information. Explore how metric based CRA rules rely on peer bank comparative analysis.</p><p><strong>Develop Self-Assessments &amp; Performance Context</strong></p><p>We&rsquo;ll cover conducting a self-assessment and the necessary components needed to be effective, as well as the importance of a comprehensive performance context policy and what is required to develop an effective one.</p><p><strong>Prepare for the CRA Exam</strong></p><ul><li>What to expect when the regulator arrives on site</li><li>Tips for making the CRA exam a success</li></ul>

<p><strong>Understand the Who, What &amp; Why of CRA</strong></p><p>This module serves as an overview of the current CRA rules. We&rsquo;ll review the CRA&rsquo;s background, definitions, requirements for each banks&rsquo; asset size, critical components of the CRA, and what is needed for a successful CRA program.</p><p><strong>Define the CRA Assessment Areas</strong></p><p>Designed to assist banks of all sizes in recognizing the importance of defining CRA assessment areas comprised of whole geographies, which do not reflect illegal discrimination or arbitrarily exclude low and moderate-income geographies.</p><p><strong>Learn How to Capture and Report CRA Activity</strong></p><p>Collecting and reporting community development activities and what qualifies as a Community Development:</p><ul><li>Loan</li><li>Investment</li><li>Service</li></ul><p><strong>Discover Peer Analysis</strong></p><p>Find out what other banks are doing under the current CRA regulation. How is a peer bank defined? Learn how banks are evaluated using peer bank information. Explore how metric based CRA rules rely on peer bank comparative analysis.</p><p><strong>Develop Self-Assessments &amp; Performance Context</strong></p><p>We&rsquo;ll cover conducting a self-assessment and the necessary components needed to be effective, as well as the importance of a comprehensive performance context policy and what is required to develop an effective one.</p><p><strong>Prepare for the CRA Exam</strong></p><ul><li>What to expect when the regulator arrives on site</li><li>Tips for making the CRA exam a success</li></ul>

<p>The Marketing Institute helps marketing professionals develop the skills and knowledge to actively manage the marketing responsibilities at a community bank. The hands-on, interactive coursework will support the development of foundational marketing skills and help refine the marketing practices of tenured professionals. </p><p>To earn the Certified Community Bank Marketing Strategist (CCBMS) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285.</p><p><strong>Learning Objectives</strong></p><ul><li>Examine the role of marketing in community banking.</li><li>Develop an understanding of how community banks operate and generate successful financial performance.</li><li>Provide instruction on the most common management structures and responsibilities assigned to bank marketing departments.</li><li>Provide information and resources to outline the process to develop a strategic marketing plan and determine the budget requirements to implement the plan.</li><li>Examine research methodologies and how to utilize results to guide decision making.</li><li>Develop a clear view of data analytics and how community banks can leverage customer and market information to make strategic marketing decisions.</li><li>Share insights to guide effective sales and relationship development efforts across all lines of business and customer segments.</li><li>Provide a structure and context for effective branding and brand management.</li><li>Examine the core elements of effective messaging and communications to support employee, customer, and community relationships.</li><li>Provide evaluations of media options and how to determine the best options for planned communications.</li><li>Provide guidance for the management of digital and social media communications.</li><li>Share insights to improvement website design, features, functions, and search engine optimization.</li><li>Provide resources to help evaluate the return on investment for marketing projects and activities.</li></ul>

<p>This course will launch your data analytics journey, starting with foundational concepts and data strategy. We will build on those basics, moving into more in-depth analysis, including ways to build routines for automated data analysis. We will work through real-life examples, which will include items such as evaluating loan information, general ledger detail, employee expense reimbursements, and more. </p><p>The course will focus heavily on using Excel for data analysis, including functions like pivot tables, Power Query, and Power Pivot. No advanced Excel skills are required, as we will start from the basics and build up your proficiency throughout the 2.5 days. </p><p>While not mandatory, we <strong>strongly</strong> encourage attendees to bring a laptop or other device to this institute in order to follow-along with the instructor and gain hands-on experience. We also suggest you have access to the Get &amp; Transform functionality (Power Query and Power Pivot) in Excel which will be beneficial for exploring automated capabilities.</p><p>To earn the Certified Community Bank Data Analyst (CCBDA) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285.</p><p><strong>Learning Objectives:</strong></p><ul><li>Understand the components of a data strategy and how to identify useful data.</li><li>Execute data analysis effectively within your bank.</li><li>Utilize the functionalities available in the Microsoft suite of products for comprehensive data analysis.</li></ul>

<p>The two-day event aims to provide insights and interactive discussions on opportunities and strategies to create community bank stakeholder value.</p><p><strong>Learning Objectives:</strong></p><ul><li>Highlight the current community banking environment and its impact on strategic considerations.</li><li>Identify the central tenets of an effective strategic planning process and how an institution's adopted strategic plan informs bank decision making and operations.</li><li>Understand opportunities and strategies to improve bank profitability and reduce reliance on net interest margin.</li><li>Explore community bank capital raising alternatives and related capital deployment strategies.</li><li>Recognize available strategies to achieve stock liquidity objectives.</li><li>Understand the process for effective succession planning and strategies to attract and retain talent.</li><li>Introduce key concepts of other strategic initiatives to promote ongoing independence and enhance stakeholder value.</li></ul>

<p><strong>Learning Objectives:</strong> </p><ul><li><p>Learn strategies for banking with non-profits. </p></li><li><p>Understand the differences between banking for non-profits and for-profits, including the financial analysis. </p></li><li><p>Develop ways to build and strengthen relationships with non-profits. </p></li></ul><p><strong>Duration: </strong>60-minutes </p>

<p>The businesses and consumers banking with your organization have come to expect the benefits that instant payments bring. Building a compelling business case and garnering the support of leadership is the best place to start the journey. This session guides attendees through the steps toward adoption and success. </p><p><strong>Learning Objectives:</strong> </p><ul><li>How to build a business case that clearly articulates bottom line results. </li><li>Understand the benefits other participants are experiencing, including operational efficiencies. </li><li>Learn about use cases that are driving volume and success on the network. </li></ul><p><strong>Duration:</strong> 75 minutes</p>

<p>Attendees will leave equipped with actionable best practices to enhance compliance efforts, reduce risk, and strengthen their institution&rsquo;s overall anti-money laundering (AML) framework.&nbsp;</p><p><strong>Learning Objectives:</strong> </p><ul><li>Identify types of high-risk customers. </li><li>Apply proper EDD procedures. </li><li>Monitor and document high-risk activity. </li><li>Detect other suspicious activity. </li><li>Follow SAR decisioning and reporting best practices. </li></ul><p><strong>Duration:</strong> 60 minutes </p>

<p>This course provides introductory guidelines on techniques that can be used to compare questioned signatures and writings with known specimens or documents. </p><p>Attendees will learn basic techniques used by expert examiners that can help you make an educated opinion about questionable writings when cashing checks, accepting loan or credit card applications, allowing entrance to safe deposit boxes, or any other procedure requiring a signature or written information. </p><p>It will also cover guidelines to assist in developing a prosecutable case when working with law enforcement. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Discover techniques that can be used to compare signatures and writings on documents. </p></li><li><p>Develop your fraud investigation skills. </p></li><li><p>Learn about guidelines that will assist in developing prosecutable cases. </p></li></ul><p><strong>Duration:</strong> 90-minutes </p>

<p>Participants will gain insights into the principles and practices that ensure effective management and control of IT resources. Through a series of focused sessions, the course covers essential topics such as IT governance, regulatory expectations, data governance, vulnerability management, emerging technologies, and incident response strategies. Real-world case study and interactive sessions will further enhance participants' ability to apply the learned concepts to their own organizations.</p><p>Learning Objectives</p><ul><li>Understand the principles and practices of IT governance and its importance.</li><li>Explore various frameworks and understand applicability within your organization.</li><li>Gain insights into effective vendor management strategies, including due diligence and best practices.</li><li>Learn about vulnerability management, including classification, prioritization, and mitigation of IT system vulnerabilities.</li><li>Develop skills in managing user access, identities, roles, and permissions to ensure robust security and compliance.</li><li>Acquire knowledge on data governance and IT asset management.</li><li>Gain knowledge over emerging technologies such as Artificial Intelligence (AI), automation, and Fintech cloud computing, including key concepts.</li><li>Equip yourself with effective incident response strategies and participate in a tabletop exercise based on a real-life scenario.</li></ul>

<p><strong>Learning Objectives:</strong></p><ul><li>Discover how to secure your domain.</li><li>Learn strategies to fortify your digital channels.</li><li>Identify opportunities to secure your digital identity.</li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p><strong>Learning Objectives:</strong></p><ul><li>Understand the various types of crimes involved in identity theft.</li><li>Learn effective strategies and best practices for preventing identity theft.</li><li>Recognize the vulnerability of customers and employees to identity theft.</li><li>Apply key takeaways to protect yourself, your customers, and your organization.</li></ul><p><strong>Duration:</strong> 90-minutes</p>

<p>Learn how to recognize and respond to attempts to manipulate or deceive you, ensuring you can confidently determine if someone is a legitimate customer or a fraudster. Discover techniques to prevent social engineering and protect sensitive data from falling into the wrong hands.</p><p><strong>Learning Objectives:</strong></p><ul><li>Understand the tactics criminals use to prepare and target your institution.</li><li>Identify key questions to ask in order to spot potential scammers.</li><li>Implement strategies to prevent and defend against social engineering attacks.</li><li>Provide suggestions on developing a community education program.</li></ul><p><strong>Duration:</strong> 90-minutes</p>

<p>Additionally, we&rsquo;ll emphasize the importance of developing strong preparedness and contingency plans to safeguard against potential disruptions.</p><p><strong>This session will not be recorded.</strong></p><p><strong>Learning Objectives:</strong></p><ul><li>Understand the latest updates on the implementation of the new ISO 20022 format.</li><li>Recognize the importance of conducting thorough testing prior to the ISO 20022 implementation.</li><li>Develop effective preparedness and contingency plans to ensure a smooth transition and minimize disruptions.</li><li>Engage in a Q&amp;A session to address specific concerns and gain insights from experts.</li></ul><p><strong>Duration: </strong>60-minutes</p>

<p>This session will provide an in-depth look at the community bank capital planning process. In this informative session, attendees will walk through the key components of an effective capital plan, the common considerations and decision points for management, and best practices for approving, implementing, and updating the community bank&rsquo;s capital plan. Additionally, this session will address how to respond to common points of regulatory criticism. </p><p>This session will provide valuable insights to help banks navigate the complexities of capital planning and stay financially strong and compliant. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Define the key components of a community bank's capital plan. </p></li><li><p>Explore common considerations and decision points for management. </p></li><li><p>Learn best practices for approving, implementing, and updating the capital plan. </p></li></ul><p><strong>Duration:</strong> 60-minutes </p>

<p>ICBA experts will discuss: </p><ul><li>Comments from ICBA&rsquo;s President and CEO<br /></li><li>Congressional Update and Outlook<br /></li><li>Budget and Tax<br /></li><li>ACRE AG and Tariffs<br /></li><li>Trigger Leads<br /></li><li>Digital Assets and Stablecoin<br /></li><li>Administration Actions<br /></li><li>RFI on Deregulation<br /></li><li>CDFI<br /></li><li>ICBA Grassroots Advocacy Resources<br /></li></ul><p><em>Topics subject to change based on current events.</em></p>

<p>Their tactics may include verbal confrontation to &ldquo;rattle&rdquo;, &ldquo;bait&rdquo;, or &ldquo;surprise&rdquo; staff in hopes of capturing &ldquo;recordable&rdquo; responses. They typically film from publicly accessible areas, and any attempt to stop them could result in legal action, or viral videos posted online. First Amendment auditors have targeted banks, restaurants, city halls, and government facilities. This session offers practical, professional guidelines on how to respond effectively and lawfully to these often frustrating encounters. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Recognize the behaviors and tactics commonly used by First Amendment auditors. </p></li><li><p>Apply best practices for managing encounters in a calm, lawful, and professional manner. </p></li><li><p>Develop confident, compliant responses to avoid escalation and minimize risk. </p></li></ul><p><strong>Duration:</strong> 90-minutes </p>

<p>In this webinar, we simplify the logic behind a simple AI/ML model through easy-to-understand concepts and examples. Hopefully, we can convince you that not only is there nothing to be afraid of, but that AI/ML can improve risk management and lead to innovation in the banking industry. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Understand the basics of artificial intelligence and machine learning. </p></li><li><p>Learn how AI/ML can be used in the banking industry. </p></li><li><p>Obtain techniques and resources to use these &ldquo;machines&rdquo;. </p></li></ul><p><strong>Duration:</strong> 90-minutes </p>

<p>Join DCG Quantitative Consultant Chase Ogden and Managing Director Mark Haberland as they share observations from validations their team has performed. They will lay out three areas of focus to help ensure your CECL model is &ldquo;fit for use&rdquo; and provides reliable results to formulate your reserve. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Understand the performance of your CECL model. </p></li><li><p>Ensure your CECL model is &ldquo;fit for use&rdquo; </p></li><li><p>Learn ways to manage your reserve. </p></li></ul><p><strong>Duration:</strong> 60-minutes</p>

<p>Join Darling Consulting Group Managing Director Keri Crooks and Director Jeff Croteau as they explore best practices and strategies to strengthen your liquidity framework. They will present key considerations for effective operational and contingency liquidity management. </p><p><strong>Learning Objectives:</strong> </p><ul><li><p>Understand emerging regulatory requirements. </p></li><li><p>Learn how to measure and manage liquidity. </p></li><li><p>Learn to develop an appropriate contingency plan. </p></li></ul><p><strong>Duration:</strong> 60-minutes </p>